Mr. Gerry Mallon:

Where it falls down for us is around a clarity that, contractually, customers did not have a particular right in most of the individual cases we were considering but there is also the issue of the consideration of the regulatory or communications standards to which we hold ourselves. The debate was on that latter point of standards of accountability, transparency and communication that we held customers to when they shifted off the tracker rate in 2008. That is the point of contention. It was long before my time with the bank and I have not conducted any final review to try to understand those two areas.