Mr. Robert Mulhall:

I do not know the exact detail, but it is probably worth pointing out that of those 2,600 people to whom Mr. Byrne alluded, 50% pertain to EBS contracts and 50% to AIB. They are spread across both brands. Furthermore, as Mr. Byrne alluded to, we are considering many different cohorts in the redress programme for these 2,600 customers. In many cases we have examined marketing materials, anything that could have been misinterpreted by the customers or communications in which we were not totally transparent about customers' rights should they ever come off a fixed rate and want to go back onto a tracker rate, etc. It is not that everybody is in that category that he describes-----