Mr. David Duffy:

I will take the questions in reverse order and share them among the team. Mr. Fergus Murphy will speak on payment protection and the mortgage standard financial statement and Mr. Byrne will comment on the machines. Senator Byrne asked about the judgment of Ms Justice Dunne. We have been trying to analyse it in terms of its impact on subsequent case law. It represents a limitation on how we can proceed in some cases. We have raised it with the Department of Finance as one of the challenges at our normal shareholder meetings. It is a limitation in terms of some of the actions we might be forced to take but cannot execute properly. I imagine that will follow its natural course within the Departments.