Ms Fidelma Clarke:

So the EBS at that stage had built up a broker-sourced book and also it had spent and invested a significant amount of money in building third-party servicing arrangements so that ... in order to service the book. And it did that based on, again, what I've read from the records, and what I was involved in from a risk perspective in reviewing, it did that in order to create a business that potentially could be sold at a later date. And, therefore, having arm's length third-party servicing would be a benefit to the model. Having invested in all of that, it was decided to continue with a view, in the future potentially, to having other options and potentially, selling it on, if appropriate, at some future date.