Ms Jane Howard:

Some customers and others. We are all different. Some people act quickly and others do not. Some people believe the period is too long but we believe it is a reasonable time to allow people to move their account. We will continue to review it weekly, as we do now. The industry is working together, through the BPFI and others, to ensure that as we send the letters, there will be sufficient capacity for our customers to be able to open their accounts.