Mr. David Duffy:

It is hard to quantify. I would just say that the usage of consultants since I have arrived is materially reduced. Once you can bring the expertise into the bank, the corollary of that is that you can significantly reduce your dependence on external consultancy. And I think at the same time you will have external bodies continually operating if you have outsourced within a bank, so that's another aspect of this. So I ... it's too complex to come up with an exact number but I would say that on balance, if the question is are there material amounts of expenditure and consultants contributing to AIB today, the answer is "No".