Mr. David Duffy:

That is a very fair question. Am I going to meet with a lot of politicians and business people of all kinds, from large corporations to SMEs? Tonight our entire executive will leave here, drive down to Waterford and will meet with our staff and a bunch of customers all day tomorrow in Waterford. Yes, I will meet with them all the time in the public domain, as I said. We have made it very simple. I do not make credit decisions. If anybody comes in and raises his or her own issue, it is referred to our internal credit groups, which I do not sit on and in which I do not make decisions. It must be at arm's length from me. I will state it publicly and I can always be audited on that. I will not give anybody, small, large or indifferent, any inclusion or favouritism in any discussion around his or her own particular issue, regardless of whether it is a negative or positive situation. I will not do that and I cannot be seen to do that. The only way to assure oneself of that is to maintain an independent decision making group under the chief risk officer.