Ms Niamh Davenport:

That is why I say that we do not have figures and we only have anecdotal evidence. It is based on what we think is going on out there. Our members will have customers saying that they received a text message and they did not click on it. Our members are basing it on that kind of information that is coming in. However, there are also customers who tell them that they did click on the link. Unfortunately, we do not have that level of information to see how extensive the text messages are out there, but we are fully aware that everyone is getting them.