Professor Philip Lane:

Let me focus on the word "identified". We knew that these groups existed. We knew the order of the numbers of people who had not been included in October. That was why we signalled back in October that there were groups of customers that we thought should be included but were not. Essentially, the expansion in the number is the banks ultimately accepting our position that these extra 13,000 people should be in and they were brought in. We have heard from people such as Padraic Kissane and others. It is very much in line with the ballpark figure. Where we are now is in line with where we expected to get to and where other experts on trackers-----