Mr. Bernard Byrne:

No, the offering would have been about the tracker rate offered to a new customer who walked into the branch at that point in time. The decision was that this offering was being taken away so that was that decision. As far as I can see, it would not have involved a legal consideration about whether that would or would not have been offered to customers. What we have talked about is that clearly the consequence of that, which was much more detailed and involved, as we now know, was not properly thought through, so that would speak to the point about which the Senator is talking, which is that if people had really thought it through, they would have gone through that process, but that did not happen.