Mr. Bernard Byrne:

The clearest contractual obligation one, and the first one that we came across, was in respect of the price promise issue under the EBS contractual piece. That was the first one that we really became aware of that said, "actually, there is an issue here." That was because there was a price promise in terms of a commitment to the customer, which had not been reflected in the way that rates were dealt with as those customers moved from one contractual position to another.