Mr. Jim O'Keeffe:

In general, we had a higher volume of cases on the EBS side that went into difficulty and that ultimately floated through to the legal system. In terms of treatment of customers in that regard, once a customer gets into difficulty, we have a standard treatment policy across the bank regardless of the brand or the way one was originated into one's mortgage. There is no bias in respect of why we would be moving customers from EBS or AIB into a legal process. We deal with them consistently across the two. If there was a bias in terms of the numbers, it would only be on the basis of how many customers got into difficulty.