Mr. Ger Deering:

We do some work like that but would like to do more. We propose to develop that further in 2018. For example, regarding tracker mortgages, we prepared a report which we then gave to the Central Bank and which pointed out many of the issues that had been raised across the cases of tracker mortgages we had seen. Where we come across a systemic issue or something we believe to be systemic, we report that to the Central Bank, which is then in a position to examine it across all the institutions.