Mr. Ed Sibley:

I have just a couple of comments. In the circumstance when an existing customer is in the same position as a new customer, the point Deputy Michael McGrath makes has a degree of validity to it. If that is the decision that is taken, we would adhere to it.

There are differences in how different banks market and price their products. As in any commercial system, there is a reliance on a degree of inertia between new and old. The precise circumstance the Deputy describes, which suggests that there are customers who are in exactly the same position and are offered different things, is-----