Ms Elizabeth Arnett:

There is one other point on that. The Central Bank has been clear in its instruction to the industry. If, for example, a customer misses an insurance payment because of a mismatch in terms of moving accounts, there will not be a break in cover for that customer. Equally, if there is a missed payment on a loan because that payment got lost in the system during the changing of accounts, customers will not be automatically added to the credit register. These are important measures to make sure customers are protected as they are transitioning.