Ms Jane Howard:

Customers have got a choice as to where they want to open an account - we absolutely advocate that. There is no doubt that there have been some hotspots where we have seen long times for customers to get an interview in a bank, but they are hotspots. We are also seeing good momentum. The other banks are recruiting people and trying to get up to speed so they can cope with the volume. The hotspots are there but we have good lines of communication with those banks and they are being dealt with. From next week, we will have people in our branches from other financial institutions so that if a customer wants to open an account with them, there will be further help and support for our customers in doing so.