Mr. Bernard Byrne:

I am familiar with the definitional issues associated with some of the examples the Chairman is describing. In the case of AIB, the situation is not the same as those examples in general. Elements of the examples may be the same but the overall perspective is not. We have a significant review and redress programme and an appeals programme is in place. We have a review process which is undertaken by KPMG, and from a Central Bank point of view, Ernst and Young also carries out a review. The Central Bank also carries out a review. Individual appeals processes are available to individual customers outside of the Financial Services Ombudsman and any legal position. A significant range of options is available to customers with regard to these issues.