Ms Derville Rowland:

To be clear, before the tracker mortgage examination commenced, the Central Bank took a lot of steps, from policy through to supervisory responses, to ensure that people were better protected. Some of these responses were demanding that before any harm occurred to anyone, trackers be given to customers and that happened. That meant that people got their trackers and harm to them was avoided. It also meant that where there were loopholes or weaknesses in the framework-----