Ms Derville Rowland:

That is the date on the document that the Chairman is reading out, with the deadline nine months from that date. I am told that, as they moved through the process and the scale of the number of accounts and detail of the work became apparent, it became obvious that some, though not all, lenders would require more time because of something to do with, perhaps, the proportion of accounts and lenders in scope in the institutions, and they needed more time.