Ms Helen Dooley:

This is a cohort that either originated on a tracker mortgage or at some point had a tracker mortgage. When we took into account ancillary documentation in addition to the mortgage contract we felt, and this was often the case across numerous cohorts, that the marketing material may have led them to believe that the tracker was available for the entire 25 or 30 years of the loan. I do not have the detail with me for that particular cohort. I appreciate that, at times, it might appear that we are taking a very legalistic approach but we take into account the full holistic picture of what the customer's expectations might have been, including brochure ware, advertising and letters that would issue over the course of the mortgage.