Mr. Jeremy Masding:

Perhaps I might have the last word. The danger is we might believe this is a Permanent TSB-only problem, which it was, and the questions we are answering are in the Permanent TSB domain and I hope we are doing the best we can to be transparent, but we must not forget this is now an industry-wide review and the dimensions of detriment, redress, compensation and loss of ownership, sadly, will apply to the entire industry. I am sure the committee would expect me to do what I can to protect the brand of the people who work in Permanent TSB, and forgive me if this sounds rather defensive, but I want to get it across that we should not forget this is an industry review.