Mr. Myles O'Grady:

If it is the credit register that the Chairman is referring to, as Mr. Hayes said, that is an industry-wide process where for any customer who has a loan, their data, their details and their loan repayments are kept centrally. That does inform credit decisions, since a credit history, by definition, informs credit decisions. The vast majority of our customers, of course, have a very strong credit history but there will be some customers who do not.