Mr. Bernard Byrne:

We have been developing our thinking around housing and what we are trying to do in this area. As part of the overall development of our thinking, we will have a report in the same way as we have had reports on the dairy sector, the farming sector and all key sectors. This will set out the position which we believe that we as a bank, having consulted the industry, can participate in as providers of senior debt. It is part of moving the conversation forward and, by allowing everyone to understand what we can do and where we see obstacles in respect of providing more or less finance, to progress the discussion. We will be launching something, but it will be entirely consistent with the 13 other reports which we have launched over the past two years around industry-specific themes.