Mr. Brendan O'Connor:

Practically speaking, we do not have any involvement. Mr. David Hall publicises the IMHO and makes available the various telephone numbers. We say on our website that it is available to people if they wish to call, but I think it has had quite an amount of exposure. Customers contact the IMHO directly. David Hall and his team send out a standard financial statement and follow it up with telephone calls. They collect all the data and forward it to us with a proposed solution as to the art of the possible. At that stage negotiations begin. We have a specific team within AIB that talks to the IMHO so that we can manage that flow. There are case managers who speak directly to case managers in IMHO. That is the extent of it.