Ms Derville Rowland:

There are some timing issues. Within the population of customers who have been identified as being impacted by this issue, rate rectification has occurred in nearly all instances. There is a figure of 98% in the documentation. Within the balance, there may be a very small population to still obtain rate rectification, which is occurring and which should be complete very soon, but the remainder of the balance relates to cases that were rectified previously. In such circumstances, we never expect that number to increase to 100%. We are looking at the 2% region because they were on the wrong rate for a short period and it was already fixed earlier. Another group of people no longer have tracker mortgages.