Mr. John Moran:

I thank the Chairman for those particularly kind words. I am accompanied by a number of officials today. They include Mr. Greg Dempsey, our chief financial officer, Ms Cep Carthy, who works with him in the finance unit, Mr. John McCarthy, our new chief economist, Mr. John Hogan, head of banking policy, and Mr. Des Carville, head of our shareholding management unit. Mr. Dermot Quigley, whom I am not sure I am supposed to introduce, is also present. He is our colleague from the Department of Public Expenditure and Reform.