Mr. Richie Boucher:

It is hard to answer that. As we entered the crisis Bank of Ireland had a lot of problems, although probably slightly fewer problems than some of its competitors. If we look at other metrics like, for example, the haircuts we took on loans transferred to NAMA, they were significantly below the industry average and provisions we have taken in business and other corporate books have been less than our competitors. Our books may have been better positioned coming in, including our Irish mortgage book. I think that was probably a factor. We probably focused on this earlier than our competitors did. However, in terms of the thrust of the Deputy's question, I think the consistency of our policies and procedures has been a feature of our relative performance. There is confusion as to what some of our competitors do and do not do.