Mr. Jeremy Masding:

However, how one does that is important. For the record, I absolutely do not want to be accused of not being customer-centric because I am. Otherwise I would not be in my job. Regarding the insolvency dimension, since I have been here I have said on the record that an element of the Irish banking system that was missing was the net at the bottom for the most vulnerable. We welcomed and participated in the development of the Personal Insolvency Act. Once there is momentum around customers and PIPs, personal insolvency practitioners, we will contribute to the system in a professional way.