Mr. Jeremy Masding:

What are the safeguards? First, we have an independent procurement team. It sets the standards in terms of how we go about the process. The CFO and I stay one step removed from it. We are on a group that reviews the team's views of who should buy it. We then have to go to our board. If all that is put together, I would argue that there are more than sufficient safeguards in Permanent TSB for how we go about disposing of books.