Ms Dara Deering:

Yes. We determine the point at which we would have made a decision on the outcome of the case, in this case March 2014. We would have had all the information at that time and we consider whether, had the customer been on a tracker at the right rate, and bearing in mind the lowest restructure rate and the lowest repayment, they would have had the affordability to meet that payment. We should have offered the customer that lowest repayment option so the decision to determine the mortgage as unsustainable was incorrect on the part of the bank. We believe in this case that we caused the loss of ownership.