Ms Francesca McDonagh:

That is in terms of the payments made. We have also offered more than that, sometimes customers will respond immediately and we will pay the money into the account of their choice within three days, other customers will want to take the time to consider the offer and will have up to 90 days to make a decision around which account they want the payment credited to. In general, our average compensation as a percentage of redress is 21% and that is very much in line with other banks in the market.