Mr. Pat Lardner:

Yes, one would see it that way. As a general point, in terms of investment fund provision, we have seen the associated cost go down as it has become a bigger, deeper and broader market. I am extrapolating to say that I would see something similar.

I will make one final comment, as I know we are tied for time. There is no single measure, change or silver bullet that represents a fully integrated CMU. I completely agree with Mr. O’Dwyer’s point that it is a series of measures. It is about trying to find out how one eases and frees up things in different areas incrementally to try to move the situation forward, because we are not starting off from the same place. The aim is to try to bring everyone closer to the same place, but we are not starting from that point.