Mr. Gavin Kelly:

No. It is something that we keep under review regularly as the management team, which I lead.

The Deputy has correctly pointed out that our customers are facing many challenges. We have found that speaking to us early is important. If customers want to talk to us, I would encourage them to come in. We will meet them at their convenience. If they want to have conversations with us about their mortgages, we will have them. As we have discussed with the committee previously, we have seen a significant move to fixed mortgages. For example, 60% of our mortgage book is on fixed rates where customers have locked in or fixed their mortgages and have certainty around their repayments. We are open to conversations. If customers want to talk to us, they should please come to speak to us.