Mr. Ger Mitchell:

Yes. Every tracker contract has been examined as part of the Central Bank review. I think the last time I was here I explained that, broadly speaking, about two thirds of those on our books are on a price promise tracker whereby there is a fixed margin at the point of entry in terms of the contract, and about a third of those on the book are on a non-price promise tracker. The latter is otherwise known as a prevailing or appropriate rate. That rate has changed over the years. There were approximately six changes to it from 2006 through to 2008. Depending on the point of maturity at which a customer would come off a fixed rate or discounted rate, as part of our review we have determined that the vast majority, if not all, of those customers are on the correct rate. Those who have not been on the correct rate are captured in the 579 we have in the pack and those customers will be remediated accordingly. All this was part of our submission to the Central Bank on 30 June, and we are now waiting on the Central Bank to conduct its independent assurance investigation of that work.