Mr. Bernard Byrne:

The overall compensation model for somebody who has lost his or her home as a result of a tracker issue - the last time I was before the committee I said that number could be as high as 14 and we have no evidence to suggest it is any higher at this point in time - includes a full compensation package for the interest overcharged, for the redress and compensation element associated with that and for the time-value of money issue associated with the loss of the property and the tracker itself. It includes a compensation element to put the customer back into a position as if the issue had not occurred.