Mr. Gavin Kelly:

Life loan is a product which we sold between 2001 and 2010 and, as was said, it provided equity release to customers. It was set up on a 15-year fixed rate. As customers came off that rate, they came on to a rate. We have a rate of 3% at the moment on those loans. We believe this is a competitive fixed rate which applies to customers with the product. Another thing which is important is that while customers do not make repayments on this product they are also guaranteed to be able to stay in their home for the rest of their life. This was an important part of the product when it was sold between 2001 and 2010 in order to meet customer needs at that time. The product has not been available to new customers over the past ten years but we continue to support customers who are on the product. If there are specific examples or if someone wants to talk to us, we have a dedicated line to speak to customers about life loan. We are only too happy to help and engage with customers on a case-by-case basis. My response just relates to the life loan. I am conscious of time. Ms McDonagh can answer the other question.