Mr. John Palmer:

At the moment, there are no provisions in the payment services directive, or the transposition of it that we did, providing for refunds in the case of authorised push payment fraud other than the one I mentioned in my opening statement, which was the only one I could identify, where an authorisation was given but not for the exact amount and then when the bill comes in, it is much higher than a person would have expected. In that case, the directive specifically mentions other factors. It was higher than one could have reasonably expected it, taking account of previous payment transactions and any other factors. That is an example where one would expect the bank to step in to try to prevent it because it would be on the hook if the customers looked for a refund, although it does put the onus on the payer, that is the customer, to prove the case.