Mr. Padraic Kissane:

To get out of it as cheaply as possible and to put back customers back on a tracker rate because they are caught. It is essentially a second leg to the wrongdoing. Nobody is accepting a rate of 3.67% or 3.25% as a margin because what if the ECB rate turns and it returns to 4%. Are the banks going to tell those customers they should be paying a rate 7.25% because it is contractually written?