Mr. David Duffy:

That is correct. Our objective is to pursue that timeline and conversations now with investors because they will not take a view in the first instance. An investor needs to look at the management team in place, establish in his or her mind whether the people concerned have the capabilities and credibility by their track record to deliver a bank that will give a return that an investor would find attractive. In our minds we see the two year timetable mentioned by the Deputy mentioned as sufficient time to demonstrate a track record of two years or more and be able to offer at least the sight of, if not the actual reality, sufficient returns for investors to make an investment.