Mr. Paul Stanley:

It was due to a combination of factors. One is that the economic circumstances which the banking industry and the country were going through back in 2008 meant that the tracker product was loss-making. Banks will take products out of their ranges at any point in time. In taking these products out of their ranges, I do not believe sufficient consideration was given to the implications for customers who might have come off a tracker and onto a fixed rate and for other such instances. That is what I believe happened.