Mr. Liam McLoughlin:

There was no such strategy. We told the story of a customer - and we have many customers in different scenarios - and it was to personalise a particular story. It was not just the one as we tell lots of examples of customers' stories. There is video out at the moment of a customer who has taken a personal loan for a wedding. There are many different stories and people like to hear and understand experiences that others are having. There is no strategy to get people to over borrow.