Mr. David Duffy:

I agree. I grew up in small towns in this country where that dynamic prevailed. The bank now has a new board and a new team. We are doing the best we can to make this a fair and equitable process and to come up with solutions. We have 2,000 staff who are working around the clock and at weekends to try to get this right. We will screw up: we will get it wrong. If we do not deal with these customers, resolve the issue and prove that we have sufficient capital, there will be no AIB. We are of the same motivation. I understand the Deputy's point that we need to provide proof that we have the right guidelines and that there is consistency and equitable treatment of people.