Ms Julie Sadlier:

I apologise for cutting across the Deputy but at the end of my long submission I wanted to say that we see far more inconsistencies than was stated in the earlier session. We do not see any one bank as being any better than the other. It is the case that, bank on bank, one can have a different situation. It is random. There is no way of forecasting what will happen. That is the case across the board with all the banks. On the one resolution option that is split with an element of write-down to it, the whole 80% element of that is dependent on negative equity as well.