Mr. Gavin Kelly:

For every customer, when they apply for a mortgage and before they draw it down, we will first sit down and discuss the various rate options with them. We also present to the customer the total cost of credit and the total interest they will pay over the life of the mortgage. That is clearly called out in the mortgage letter of offer. It is something that the customer must discuss with his or her solicitor before drawing down the mortgage. Those conversations happen. To answer the Deputy’s question, it is very clearly called out what the options are and what interest is paid by customers on those rates.