Mr. Bernard Byrne:

Because it was not thought about. As we have gone through each cohort, we have tried to look at the underlying circumstances that gave rise to these issues. What we have done in respect of that is go back and, ultimately, one had to back to what was the decision to exit the tracker product. The decision that was made in 2008 was to take away the tracker product for new customers. That was a discrete decision. There was no consideration based on what we can see of consequences of that decision elsewhere. The decision was around whether the tracker product would remain for new customers. That was the decision that was clearly made at that point in time and, as I have mentioned, another aspect of that - and this just flowed from it - was that any customer who was on a tracker stayed on a tracker. There were 104,000 customers.