Mr. Bernard Sheridan:

This was one of the key points that we wanted to make at the beginning of this framework and examination, that the scope includes all tracker mortgages that were sold from day one or that the option of a tracker mortgage was available. It includes all mortgages and loanbooks that have been sold or transferred. We took the approach that the originator of those loans was responsible. Ultimately, responsibility works back to the person who sold the loan in the first place.