Mr. John Moran:

In effect, it is a new management team that was put in place. It is travelling on a path a little bit behind Bank of Ireland, as everyone in the investor community would acknowledge. It has taken time to get a management team in place to deal with the issues. The bank will reach profitability a little later than Bank of Ireland, but it has already identified a clear path in that regard. At that stage, Parliament should probably start considering whether it would be appropriate to sell and, if so, how much of the bank to sell.