Mr. Paul Stanley:

On the compensation levels, it is compensation for the difficulty we put customers through, and it is not uncommon across the other banks as I understand. Those customers who were in arrears, particularly with the difficulties we caused by having incorrect tracker levels, have suffered more personal difficulty and harm, and hence this is what it is recognising versus those who were not. To be clear, we are fixing customers and they are getting remediated for the differential between the rate they were on and the tracker as it is happening. This is a compensation.