Mr. Ger Deering:

It would vary over the years from 30% to 9%. It was 30% in 2009 and 9% in 2015, I think.

On the figures, I wanted to say we are as comfortable as we can be with the figures we are giving the committee but as our system used to record all mortgages as mortgages over time, we have had to do a lot of work to extract out trackers. We are comfortable that those figures are pretty accurate.