Mr. Darragh Lennon:

It is not that our estimates have changed; it is that customers have moved or closed their accounts. The balances of those accounts have gone to zero and the activity in those accounts has gone. The number has reduced from 52,000 to 39,000, which is a positive thing. We are four months into a 14-month process and the number of customers we see as needing another account or needing to undertake significant switching activity has reduced by approximately 25% in those first four months. We are seeing good traction every week, as Mr. Jansen mentioned in his opening statement, around the moving of direct debits. That number is dropping by approximately 3,000 per week and we now have approximately 135,000 direct debits attaching to any of our current accounts. That is down from well over 200,000 when we started this process. Overall, from an underlying activity perspective, we are seeing customers actively moving their accounts.