Mr. Eddie Cullen:

That is simply it. We made a change to the definition and calculation of cost of funds in 2012.

We discovered last year that we did not have the full contractual right to make that change across the entire customer base, as the Deputy has said. It has an impact on up to 18,000 customer accounts and we are now in the process of putting that right for customers. We have already fixed the matter from here and customers have been put on the right rate. We are moving into the refund and remediation phase of the project in the next couple of months.