Ms Dara Deering:

We met him as part of the examination to get his feedback because he represents many customers of KBC and others. We brought him through where we had concluded in the broker communication because, as Mr. Verbraeken said, we had to determine what role, if any, it played as part of any conversation a broker may have had with a customer. In this case, we decided to determine that it may have had an influence in the period in which it was issued, even if that had not been the intention of the flyer. Hence we determined 547 customers were impacted.