Mr. Bernard Byrne:

We have a different perspective on this. The Senator is of the view that there was an individual or a set of people who consciously chose to do this. Our perspective is very different. We believe this issue arose as a result of the withdrawal of a product. People did not consider the implications. No person was taken off a tracker. Some 104,000 customers remained on trackers at that point in time. There was not a set of people taken off trackers. The issue related to what would happen in the future with regard to further reversionary issues. That is why it has taken the path it has taken.