Mr. Liam O'Reilly:

And as well as that, sorry, the AIB one, which is in the public domain, we ...we ... while we didn't use any sanctions, we were able to force AIB to pay a lot of money back to customers. You could call it moral suasion, whatever, but we ... we used our powers to do that. Our powers of investigation, our powers to ... to go into the institution and find out what happened. And we did make findings in that situation. And ... and that was actually a job that covered both the prudential side, which was involved in it from the point of view of the deal allocations, and the consumer side, from the point of view of the overcharging.