Mr. Jeremy Masding:

From his or her salary or whatever else. Also, we have a responsibility to the taxpayer, the Irish people, to manage costs down. The second thing we ask for is that customers use online banking. Some 30,000 consumers have voted with their feet and we continue to exceed weekly targets in terms of numbers, with which I am really pleased.

In terms of mortgages, I made mistake 101 which a group CEO should never make, but I did it consciously at the start of the year. It was to put out a lending target. One will never get me to do this again. The reason was to show Ireland we had capital and wanted to lend. customers have since been walking in. We have had in excess of €600 million of applications. We created something called, "An agreement in principle", because in my experience customers need to know quickly whether, directionally, a bank will lend them some money.