Mr. Jeremy Masding:

I am confident that it does not represent a trend. I would just like to state that this is a very complex piece of work because there are many different varieties of mortgages. As we go through the thinking stage we then have to carry out the communication. It is only in recent weeks that we have finished working on the final set of cohorts so some of those customers have not yet been contacted. Let us put that on the record. In answer to the Deputy's question, they have not yet been contacted. If the Deputy could inform myself or Mr. Mitchell of the details of that case I can assure him that we will get onto it straight away and match it against our files.