Mr. Jim Brown:

I cannot speak for the other banks. However, I recognise the need for the banks, including Ulster Bank, to play a role in that area. Despite the fact that we are still dealing with some legacy issues, we are prepared to participate. We will look at any good proposition with which we would be comfortable.

I cannot answer the broader question as to what is the collective position for the other banks. We believe we have a role. We will not be participating to the level, however, that we did previously. In terms of risk appetite, to have the weighting of our balance sheet towards that one specific sector of the economy is not prudent.