Mr. Fergus Murphy:

I believe the best comparison there again is the Nationwide in the UK and I would, therefore, suggest - I mean it is hypothetical, but I would suggest - that they would probably still be tipping away and that they would be relevant in Ireland and that they ... the organisation would be as it was - a mutual. Now, I should say, in fairness, that the EBS brand is a very important part of AIB. That the EBS, as a company - as a subsidiary in AIB - is doing well. It was profitable in 2014 and, you know, the future looks strong for it in the context of the business it's doing and the position it has still in Ireland as a community financial services provider.