Mr. Paul Stanley:

If the Deputy wants to send me the details of that, I am happy to follow it up. The norm in the bank is that the payment should reduce in line with the change of interest rates. The Deputy probably does not know the circumstances of the customer. Was that customer in arrears or otherwise? That could be a possible reason but I do not know without looking at the detail. The norm should be that as interest rates go up or down, the payment levels should change accordingly. It may be a case that communications come from the bank to offer the customer the option to keep repayment levels at a higher level to pay down earlier but that should be the customer's option, not the bank's.