Ms Jane Howard:

In some cases, for sure. Customers have said that. They have been quite open with our colleagues and said they are not going to close their accounts until they have to. Equally, some of the customers, which speaks to Deputy Doherty's question, may be overdrawn, reluctant or concerned and, therefore, have not taken action. That is why it is important we reach out to them. There will undoubtedly be a cohort who, for whatever reason, including time and so on, just have not got around to it.