Mr. Richie Boucher:

In response to the question on the Mercer report, our staff costs, as set out in our accounts, are down 10% on the first half of 2012 and 8% on the second half of 2012.

With regard to the Government's ownership of an equity stake in Bank of Ireland, that is not something to which I can speak. The fact that the taxpayer is in a profit over its investment in Bank of Ireland is obviously important to us. It is important to the taxpayer, but that is a matter for the Minister and the National Pensions Reserve Fund so I cannot speak to that.

With regard to the civil bills-----