Ms Jane Howard:

It will be about 4,000 that we will not put a freeze on because we can see that there is still activity on the account and we believe they are still reliant on it. As Ms Arnett said, as every day passes, we are seeing customers reduce the activity on their accounts. We are managing that and, as one would expect, looking at it very closely. In the past two weeks it went down 34% in terms of just high-active customers. All of the sudden, they can see the deadline is coming, which is what the research told us, and they then actually reduced the activity on their account substantially. That could be moving their salary, direct debits, standing orders or point of sale on cards – all sorts of transactions.