Dr. Ali Ugur:

I would be concerned if the majority of those numbers are not trackers because it means that there are people who have never been in financial difficulty. They should have the option to switch and they had the option to do so. As Mr. Hayes outlined, there are these legacy Bank of Scotland and Danske Bank customers. I was one of them with a tracker marriage with Danske Bank for a while. Our estimate that the majority of them are tracker customers.