Mr. Gavin Kelly:

As I have said to the Deputy, we write to our variable rate customers every year. If a customer is coming to the end of a fixed-rate period, they also receive communications on their options. Each individual customer is different. Many customers opt, when they come to the end of a fixed rate, to take up another fixed-rate product. Other customers may decide to consider their options. We provide a comprehensive suite of products that customers can choose from. We contact them regularly-----