Mr. David Duffy:

I am not disputing that. I am saying clearly that what the regulator asked us to define and to do has been fully, 100% observed, but I am not sitting there looking at a quarter. We have been working since last year on this. My argument is simply that if Deputy Pearse Doherty wants to say that we should define the bank's performance by an anomalous quarter, he is entitled to that view. I would merely tell the Deputy that when I speak to the regulator I speak to that quarter as required, but when I speak to the customer I speak to the 14,000 who are no longer in arrears who came into arrears this year, and to the rest. We can agree if the Deputy wants a precise, narrow definition for one quarter but that does not reflect the substance of what we are delivering for customers in distress.