Ms Derville Rowland:

Actually, I do not think that is what the FCA found. It did a very comprehensive piece of work that is ongoing and it issued an interim report. I read the Deputy's complaint to the Central Bank, so I know that he has studied the FCA work. The FCA found differences in pricing and increases that seemed to peak at the five-year point and levelled off thereafter . The FCA analysed the groups of customers and some of the characteristics of the customers who seem to be in the higher price brackets. It found that older customers-----