Mr. Stephen Groarke:

To put a sense of scale on this, in terms of the number of customers that had to be looked at, there were about 400,000 accounts at PTSB over this entire period, a number of which have closed since. We have gone through every single one of those accounts in this review to try to bring it down to the number of those who had an entitlement to a tracker but did not have one. A huge volume of work has been done in the bank to try to get to that position. It is not just a case of going through one or two funds, but of going through that sort of large volume to make sure we have tried to deal with this as comprehensively as we can.