Ms Derville Rowland:

It would be nigh-on impossible for us to produce such a graph. Each lender would have contracts and would have made decisions about business propositions to be made to customers. Each lender could have a wide variety of contract terms with a different way of explaining the tracker rate. The easiest way to understand it would be if a contract term cited a number but many of them did not and instead cited references to other things. Each lender would have a variety of different terms and conditions issued at different points across many years.