the acquisition of the financial website Comparetheloan[39] and Barclays announcing plans to rebrand Woolwich branches as Barclays, migrating Woolwich customers onto Barclays accounts and migrating back-office processes onto Barclays systems – the Woolwich brand was to be used for Barclays mortgages.[...
So, as I said clear, we've got quite robust systems to identify the risk of our existing customers using their activities with us, their deposit balances, their account behavior. And to have systems if you walk into a store and it says, "Hey, you are actually prequalified for ...
And, you know, and then--and what we find ourselves now in a position is where, though the refi boom a lot of our customers have mortgages elsewhere, because we were just not in the business three or four years ago. So, as this refi boom continues, those customers are now saying, ...