Mr. Ger Deering:

Yes, that is the case as time moves on. Tracker mortgages were at their height in 2007 and 2008. Depending on the length of time a person went on a fixed rate, the time he or she came off the fixed rate could be critical. Deputy Quinlivan is correct. As time goes on, fewer tracker mortgage complaints will be able to come through our office. The real complexity around the removal of the six-year rule is the extent of retrospection. I am unsure of the extent at this stage. It is a complex area. The answer to the question in simple terms is that we would welcome the removal of the six-year rule.