Ms Derville Rowland:

My answer is that a lot of work was done. Let us go back in time. This was at a time when ombudsman decisions were delivered on either side of that decision-making process. This was not beyond ambiguity or complexity. There were a variety of circumstances for tracker mortgages. in some cases the regulatory framework does not even deliver going back further than 2006, but the examination has delivered. This is a complex issue and what our-----