Mr. Bernard Byrne:

Yes, under their particular contract the contract did not have any language associated with a tracker included in it because they would have originated pre-trackers. Therefore there was not a contractual position associated with a tracker. They would have been entitled to an offer of a variable rate mortgage or a fixed rate. That was under the terms and conditions of their contract. Upon final examination in respect of that, and when the Central Bank as part of its programme spoke about its broad perspective on the industry and the weighting to be given to marketing materials over contractual materials, we decided that we should include them. That effectively meant that any customer who ever had a tracker in that context would therefore be entitled to go back onto that tracker rate, as a result of giving more weight to the marketing materials than the contractual ones.