Mr. John O'Beirne:

No. For any of those cases, as Ms McDonagh mentioned earlier, where the contract was explicit in terms of returning to a tracker rate, the customers were returned to a tracker rate. In this group, these are customers who drew down their mortgage perhaps on a standard variable rate, at some point switched to a tracker rate, then fixed their mortgage and the documentation referred them back to the original contract. When the review was conducted late last year, the bank felt that the movement between the original offer letter and the switching documentation, when looked at from a customer perspective could be seen as confusing over time and that is why we have included them in the examination.