Mr. David Duffy:

To remind the Deputy of a headline, let us take that number offered in good faith based on their standard financial statement to be submitted. In that case, only 700 responded. It is not a question of us taking anything away. Some 700 customers decided not to accept that offer no matter how attractive it is. It is not just a question of what the bank is doing; it is a question of what the customer is doing. It has to be agreed between both. I would refer the Deputy to the 700 and ask Mr. Brendan O'Connor to provide clarity on that.