Mr. Jim O'Keeffe:

Unless anyone else wants to comment further, the Deputy has indicated that he has sought information from us, with authority to provide it, and I think the best thing to do is come back to the Deputy specifically about the case. Otherwise, we will get into speculation related to the customer. What we have outlined about the customer taking out the product with specific terms and later having the option to avail of the tracker rate is probably at the crux of this.