Ms Ann Nolan:

The legal position Cerberus or any other company - I would like to make it very clear that I have no personal knowledge of how Cerberus is treating any particular loan - that purchases loans is in is exactly the same as the previous bank, although I take the Chairman's point that there could be issues about attitude and so on. Obviously we have no rights to move into that space. We do not have rights as a shareholder either, so it does not make that much difference whether such a loan originated in a bank in which we have a shareholding or in a bank in which we do not because many of them have been sold anyway. We have tried hard to ensure that the companies that bought loans in the Irish market treat the lenders fairly. If there is a particular issue that the Chairman wants me to look into, I would be perfectly happy to-----