Mr. Liam McLoughlin:

There are a number of things the Bank of Ireland has done. We launched a coming home initiative because we have seen a significant migration back into the country from places such as Australia, Canada and the UK. We launched a number of initiatives in that space. As I say, we are pro-support for the customer in terms of doing all those activities.

A lot of the activities, in terms of mortgage applications for people who are going to buy before they come home or open accounts, particularly new accounts, can all be now done online from wherever they are coming from. As Mr. Farrell mentioned a few minutes ago, the bar for the AML rules is going up for good reason. It is a constant challenge, but I hear the feedback. It is something we will continue to work on to make the process.