Mr. Gerry Mallon:

Perhaps we could revert to the Senator on the detail of whether there are any legal cases pending, which Mr. Blair answered to the best of his knowledge.

To give the background to the €39 million, as part of the tracker mortgage examination process, we obviously examined lots of different customer files. There is a very detailed examination of the customer documentation in those files. As we did that, we discovered inconsistencies or errors unrelated to the tracker mortgage examination. They were things that one would not expect to see such as inconsistent terms and conditions. Part of the document might have contradicted another part of the document. That tells us that there are some errors within our historic cases. As soon as we see something which is an error that may impact the customer, we have to do an enormous amount of investigation to understand the impact of it.