Mr. David Duffy:

I am not sure I follow the Deputy. The answer would be that, no, there is not a sole driver. If the Deputy looks at the funding we have at 3% from the ECB, which is so limited that it does not materially affect our rate, if he looks at what Mr. Bourke said earlier about the marginal cost of our funding having improved, but very marginally in its totality over that period, and if he looks at the fact we have reduced our costs but we have further to go on that, taking all of that together, four months ago we made a reduction based on what we have been able to achieve thus far, and we are looking in the next couple of months at considering something similar. There is no sole driver.