Mr. Bernard Byrne:

What we said the last time was that, based on the investigations we have carried out and on a review of the issue, this situation dates back to 2008 when the tracker mortgage product was withdrawn. That was a period in which there was very significant turbulence in the financial markets generally and there was dislocation in terms of the funding cost. That was the reason the tracker product was withdrawn. Based on what we could see, it was withdrawn from the marketplace.