Paul Coghlan (Fine Gael) | Oireachtas source

I thank Mr. Duffy for his comprehensive overview. It is impressive compared to where they were when they started this process of restructuring, even if it sounds like the political party campaigning slogan: "A lot done, more to do." I wish to ask Mr. Duffy about the tracker policy. Is Allied Irish Banks refusing to allow trackers to transfer when perhaps a customer might move home? I am given to understand that others allow it. In the interests of a level playing pitch, is there Central Bank guidance on the matter? Is AIB referring people, perhaps needlessly in some cases, to its leasing division when a term loan might be preferable and more suited? My third question is on bankruptcy. Has AIB had many bankrupts? How does the bank decide whether it will be all duck or no dinner? How does the bank decide that a debt compromise is not on? How many have AIB had and how does it decide?