Mr. Gerry Mallon:

As I said, I do not particularly perceive a need for it right at this moment. I cannot comment on the decision-making process in the bank or in respect of the tracker mortgage examination, nor can I commend on the deliberations involving the Central Bank or otherwise, but I reiterate that the aspiration and ambition of Ulster Bank is to build its future on customer service, trust, advocacy and core integrity. We do want the very best outcomes for our customers. We are focused on trying to resolve all the issues of the past to make sure that happens.