Ms Jane Howard:

Yes. We will touch on the other point the Deputy made regarding our customers. It is important for somebody who has a tracker mortgage to continue to avail of it, if that is what is right for that individual. We did a distinct piece of work with some customers who said they wanted to repay, which was to call them to ensure that that was what they wanted to do and they realised that they did not need to. I will ask Ms McMahon to touch on that issue in a moment.

A process is under way in respect of the tracker mortgage book. I commit to coming back to update the committee once there is something to say on that. I will ask Ms McMahon to touch on the work we did on customers who were-----