Mr. Colm Kincaid:

I am sorry to speak across the Deputy. What I am saying is that we do not have historical data specifically on people moving from one type of provider to another. The area that we are most focused on at the moment, precisely for the reason the Deputy referred to, is the approximately 38,000 borrowers who are on non-tracker standard variable rates which are at the higher end with lenders who do not have a full suite of options available to them. That is an area where we see that the lenders have a special duty to understand the characteristics of those borrowers, to be engaged with those borrowers and to factor their analysis of the characteristics of those borrowers into their engagement strategies and the suite of options that they have available. We were clear in the letter from November last year that we expect financial service providers to review their product lines and suites of options to make sure they remain fit for purpose. In the case of credit, that means making sure that loans remain affordable.