Mr. Alan Dukes:

I will not get into an argument or discussion with anyone else. We took over a mortgage book in the middle of 2011. The Central Bank rightly required all of the banks to produce a programme to implement MARS by the end of this year. We are on track to meet the requirements of this programme. There are other measures we would like to take once we have it in place. If people are impatient with the programme, perhaps they displayed too much patience in setting out the deadlines in the first place.