Mr. Bernard Byrne:

Any customer who was on a tracker at that point - the 104,000 - stayed on a tracker mortgage. It is not true that they are all still on tracker mortgages today because some have redeemed their mortgages but effectively 77% of them are still on tracker mortgages. That group did not change. They probably were not subject to any review because effectively they were on a tracker, kept their tracker margin, and still have that tracker product. The contractual review was in respect of all the other contracts, amendments, modifications and top-ups that took place across both institutions over the period to understand if there was any correspondence or communication during that period, all the way back to 2002, which might have resulted in a consequential obligation in respect of tracker, open and closed. It was a much broader time period.