Mr. Bernard Byrne:

The group was not included within the scope of our examination as our determination for that group was that the prevailing rate which would have been offered at the time would have been significantly higher than the rates in the market and therefore the customer did not suffer detriment. As a result of the engagement with the Central Bank over the past quarter, its main objective was to get customers into the framework so that they would have the protection of the framework and that is how we arrived at the significant increase of those numbers coming in. We have not looked at those customers as being impacted because of the detriment issue. We do not view them as having lost as a result of the tracker issue. We might talk about that later. The compensation issue was derived by-----