Mr. Paul Stanley:

Every day 2,500 people in the bank come to work and they do a very good job for their customers. There are difficult circumstances, particularly with tracker mortgages. It is not easy. I have spoken about the timelines we are working through. If there are individual cases there, it is not acceptable that people do not follow up with phone calls. That is not acceptable to me. There is only so much we can tell until we have done particular pieces of work and that should be explained appropriately to customers. If the Chairman wants to send those to me, I am happy to take them up.