Mr. Jim Brown:

The key point from my perspective is that it is vital that the Government continues on its programme to restore Ireland to the position it was in before the financial crisis. My point is that the Government is making good progress in doing so and that should continue. That has been recognised by markets in countries outside the Republic. Separately, it is very clear that customers have been through deep distress as a consequence of the crisis. At Ulster Bank, we are trying to work through solutions that can assist people to make payments on their mortgages while, importantly, also keeping them in their homes.