Mr. Tom Considine:

I would say we do that, but the Deputy's interpretation of the public interest and mine is different. I have a wider interpretation of what is the public interest. It is in the public interest that the State gets paid back the money it gave to the Bank of Ireland and in the meantime that it is remunerated at a rate of around 10% for that part of it which is not equity. It is also in the interests of the State that the governance of the banking system should be strengthened to ensure we do not have a repeat of what happened previously. It is in the interests of the State that the bank should be strong enough to lend to SMEs and mortgage holders, and the Bank of Ireland is doing that. The bank has about 20% of the mortgage market and currently the rate of approvals is about 40%. In the case of the SMEs, as we have said, we have exceeded our target of €3.5 billion. It is not because we were given that target that we are lending that money, we are lending it because we want a bank that functions. We want to be in the business-----