Mr. Robert Mulhall:

In that instance, the contract for those customers was quite clear; they do not have a tracker option on the expiry of their fixed period. However, there was documentation as part of the statements relating to those customers which intertwined the use of the terms "tracker" and "variable mortgages". So they were offered a variable rate or a fixed rate when they finished their fixed-rate mortgage. As a result of that confusion around the statement, these are judgment calls but we erred on the side of the customer to include them in the programme.