Mr. Stephen Groarke:

To the best of our ability. I am aware of one case where a complaint was made with the FSO and where Permanent TSB had lapsed in our responsibility to retain correspondence. This is a focus area for us, along with a lot of other legislation and regulation. A lapse like that is not accepted in the bank and we constantly strive to make sure that we have the right controlled environment in place to live up to those legal responsibilities.