Mr. Robert Mulhall:

When we examine our October data of market share across Ireland, AIB and the EBS have done 40% of the mortgages. This is done through a very intensive engagement with our customers in terms of ensuring they understand the process. As part of it, we will discuss exceptions if they are appropriate at this point. I would not offer it as the perfect solution, given that the awareness of exceptions probably has dampened people's desire to even come and ask the question. As the debate has emerged more and more in the public domain, there has been increase in the number of people who will come and engage, whereas otherwise they would probably never have thought to come in the first place. The Deputy's point is well made and is a very fair question. The awareness is probably growing as opposed to being perfect.