Ms Jane Howard:

We would look at it in the round. This is a commercial decision. When we look at our fees and charges and the way we introduce them, we charge customers based on usage. I would not say that we charge more. I would look at it in the round and the full service offering we give, including having the lowest mortgage fixed rate on the market, as referred to earlier. It is the entirety of the package. Our customers can choose the preferred way to bank. It is more expensive in some channels than others but we have a team of people ready to help anybody, in the branches or over the telephone, who would like to look at different ways of doing their banking. Some 25% of our customers do not pay any fees; this is largely those customers who are over the age of 66 and our students.