Mr. Bernard Sheridan:

The Senator is correct. We looked across the system in 2010 and arising from that, we had to follow-up issues with Bank of Ireland. Also, as a follow-up from that, we introduced measures where in future anybody who was coming off a tracker mortgage had to get clear information and also a warning of the implications, and those provisions were subsequently included in our 2012 consumer protection code.

I cannot comment on a specific institution but all lenders were to comply with those requirements in terms of the specific disclosures to be made. I cannot comment on the specific case.