Mr. Brian McHugh:

On individual complaints, obviously, the Financial Services and Pensions Ombudsman is in place for the banking sector and it will and did deal with some of those complaints on tracker mortgages. We do not deal with those individual complaints but where there are general complaints in any area that is relevant to us, we will look at them. We have a helpline which provides information to consumers on things like consumer rights. We have a great deal of information also on our website.

One of the things we do in banking is that we have comparisons of mortgages, for example, where over 2 million people visit our website every year. The most popular element is those comparison tools. It is part of our remit to provide that information to consumers. We are quite active in the financial education space.