Mr. Liam McLoughlin:

I will explain the context and background to it. We have an EU-approved plan concerning the bank for a number of years. Part of that EU plan is that, from the end of June this year, we are prohibited from engaging in paying broker commissions. Broker commissions are a common feature of the Irish marketplace. Those commissions are generally in the range of 75 to 100 basis points. Our view was that if we cannot pay broker commissions, we would then pay that money directly to the customer.