Ms Jane Howard:

I will start and then I will ask Ms Arnett to complement this answer. We engaged with the direct debit originators. We looked at who our customers pay direct debits to, and we identified the top 20 of those. We then called them in. We also engaged with the direct debit originators through Banking and Payments Federation Ireland, BPFI, and it was also a topic of discussion with the Central Bank yesterday. Ms Arnett will speak about the actual engagement model we had.