Mr. Ger Deering:

It was certainly going on for a number of months from the time the various institutions would have finished their tracker mortgage examination. It was not an issue up until then because they were on hold. As they started to come off hold, it started to become an issue. I raised the matter with the Banking and Payments Federation Ireland and elsewhere. Ultimately, the institutions were using the legislation and I must also operate within the legislation. There was no way that I could coerce or force them. I think the cause was the publicity during the summer. The position seemed to change at that stage. I do not think there was anything else.