Mr. Jim O'Keeffe:

I can talk about that grouping, Deputy. The initial 3,500 people were made up of over 30 different groupings in terms of what happened. I know that the Deputy does not favour the use of the term "unintended consequences" but various circumstances created each of those groupings. The grouping that Mr. Byrne referred to was the grouping that came to light in 2015. We have talked about the prevailing tracker item. That was something that we were aware of in terms of the contract status of that. The EBS grouping that emerged at the time was whereby customers had moved from one rate to another rate. In the first rate that they were on they had been given a price promise that their rate would never go above a certain percentage. When they had been moved that promise was dropped. They had lost that promise. At that point, when we identified that issue and, indeed, with the other issues that were emerging in the market, what was identified was - and we have spoken a lot about the groupings just now - that there could be inherent issues in the book that had not come to light during that intervening period. That is then what caused us to go through the analysis and resulted in the-----