Mr. Padraic Kissane:

The further I have moved on in the investigation, the more difficult it has become to guess figures. What is astonishing is that every figure I have put forward on this has proved to be correct. I am now probably doing more less informed guesses than I would have done heretofore. First Active is a large cohort. It could be more than that. I put in 5,000 to put a quantum on it to some degree. I do not know how many EBS customers have not got their trackers back but it must be a substantial number because, to date, other than the people the bank described as getting the wrong form when they were fixing their mortgage, it could have been the right form if one looks at another way-----