Mr. Ray MacSharry:

The bank is doing a lot now. If I had been asked that question six months ago, I would have said we were not doing enough. We have set up the asset management unit this year. It is up and running. Hundreds of people are dealing with thousands of calls every day and are in contact many times with different shareholders. We have resolved the contacts and connections. We still have problems with the bank. We have set up procedures whereby in any discussion with a shareholder who is in arrears or is going into arrears, management will offer the shareholder different options.