Mr. David Duffy:

No. Let us be very specific. The bank's margins, although it has a nominal number on which people focus, are at the lower end of the average figure for our European peers. We have a long way to go before we will have addressed all of the costs involved, the cost of risk and funding issues, to reduce them to a normal level. That is what we are doing. We are not looking at fattening the bank, rather we are looking at managing these areas to get back a normal level in order that we can return funds to the taxpayer.