Mr. John O'Beirne:

Yes. The correspondence was published on the bank's internal website and was available to all staff. The group of customers and staff to whom the Deputy refers were staff who had never been on trackers and who would have seen that correspondence. Within the correspondence, there are two statements. One was that all mortgages would role to their original contract and that was what was clarified in the subsequent correspondence that issued in the following weeks. Certainly, we are happy to provide that documentation to the committee after this session.