Mr. David Duffy:

I think that that is going to be resolved in the not-too-distant future. I think Ulster Bank has stepped back significantly into the marketplace. You have seen PTSB regain some strength in its franchise through its raising of capital and its ambitions around its own market presence. KBC has also made some further inroads and opened up some branches, so I think whilst it is not yet at a level that is truly, fully competitive, it is emerging, and I hope it will get stronger.