Ms Fidelma Clarke:

What happened to Haven was ... I think someone described it well at one time was, it was a good idea at the wrong time. And so the society made decisions on the basis of, it had very little credit to make available, that if it was making any credit available from 2008 and 2009, it was going to make it available to home owners and people who desired to home, own homes, in Ireland and to its core membership. So it ceased to provide credit to Haven. But the capability was held and actually AIB Bank now is using that capability in terms of its own broader business model, so Haven has ... effectively survived.