Mr. Bernard Byrne:

For example, as a regulated entity, AIB has a banking licence. The EBS still has its own banking licence as part of a regulated entity. Both the EBS and AIB have subsidiaries, some of which provide mortgage finance. To comply with certain elements of legislation in including mortgages in certain structures to obtain finance, we each have subsidiaries in that respect. As a result, they can build. One of our tasks - it has not been highest on the list - is to go through some of them and remove dormant entities.