Ms Derville Rowland:

-----because this is their home and they need a roof over their heads. That is very important. I will ask Ms McEvoy to speak on this, but we have set an expectation that where all things are equal and it is performing and working well, it should continue. However, it is important that the best interests of the customer are taken into account. Ms McEvoy will add to that as it is an important point for people.