Ms Dara Deering:

In terms of our current account discount that we brought in in 2015, we wrote to those customers quite a number of times by now. In terms of our variable pricing, our new business pricing that we made available to customers at the end of last year, we will include on an ongoing basis, information every time we write to customers on mortgages and we tend to do that annually, where we will give them all of the rates available, both fixed and variable . In addition, in all our communications on an ongoing basis, we make sure they have options.