Ms Jackie Lavin:

We fully believe that because any of the businesses that one talks to - ours included - is just a mirror image of what happened to everybody else. It was only by finding out what happened to other people over the past four years that we have accumulated and assimilated this information. The same commonality is right throughout everybody's story, even though it concerns different industries from different parts of the country. Over 250 people were engaged on behalf of Ulster Bank in the GRG and they were looking after 2,000 customers. They were vociferous in their engagement with the companies in Ireland, much more so than they were in the UK. They had over 12,000 companies to deal with in the UK and I feel that on a one-to-one basis they were more vociferous in Ireland than they were in the UK.