Ms Jane Howard:

That is right. We considered whether we could sell the credit card book, if you like, to another financial institution but there were challenges in respect of the technological complexity and the third-party suppliers that use the credit card system. It made it too complicated and risky. Therefore, we made the decision to engage with customers, give them as much notice as possible and allow them the option of the credit card they want. They can make the choice and then pay off debt with us.