Mr. Des Gunning:

Prize bonds are not covered by the dormant accounts legislation. A prize bond is never deemed dormant in law. At one time the board examined whether there were any dormant prize bonds and we were assured there is none, therefore, the question of age does not arise with prize bonds.

Regarding the advice on the 15 years, I defer to my colleagues in the Irish Banking Federation, IBF, who have been represented on the dormant accounts board. One of the advantages of having a board was that it allowed the Irish Banking Federation to bring their expertise to it. The IBF is comfortable with the way the rules about no customer-initiated transaction work in the Irish banks. There has never been any controversy about it, therefore, I am comfortable with whatever regime is in place because the experts who sat with me on the dormant accounts board, whose judgment I trust, have said there is no difficulty with it. I am sorry but may have missed a question.