Ms Elizabeth Arnett:

It is since the start of the choose, move and close campaign. From the date of the letters, which was four weeks ago, 22,000 customers have closed their accounts. However, I would imagine that those customers started the process before the letters were issued. We have very clearly told customers that they do not need to take action until they hear from us but that, if they are ready, we are ready. We have proactively prompted customers who we believe will require additional support to start the journey as early as possible. We are telling the vast majority of customers, who we believe will probably transact most of the journey digitally, that they can wait until they have the letter to take action but that we are ready to respond to what those customers require. We are not seeing any trends outside of what we predicted with regard to our contact centre activity, website activity and activity at the branch level. We want to get into a steady state of action wherein what we are doing stimulates customers to take action and there is an appropriate response from the rest of the industry to move customers across as safely and smoothly as possible.