Ms Jane Howard:

Our direct debits have gone from about 1 million to under 500,000. We had 440,000 standing orders and now we have 200,000. The point of sale transactions have gone from 12 million to 6 million. These would include things like people tapping to pay for a coffee and so on. All of our indicators tell us what we are also hearing from our customers and from independent research, which is that customers are well on the way. In terms of accounts being opened at other banks and in terms of customers having closed or wound down their accounts, we are at over 50%. It has been orderly and we want those trends and the momentum to continue. We want to continue to do this in an orderly fashion.