Mr. Stephen Mason:

We laid out the figures to give the committee the historical performance, and members can see that our buy-to-let mortgages have reduced dramatically over the last years. They have reduced at a significantly greater pace than the rest of the industry and that is highlighted in the presentation where we show our figures versus the industry. Whether one looks at 90 days in arrears or 720 days in arrears, the number of buy-to-let mortgages with Bank of Ireland has reduced dramatically and continues to reduce. I could not comment on what another organisation has done.