Mr. Bernard Byrne:

I do not have an exact number. I would put the context the other way around. We will have a different view on prevailing rate. Let us all accept that we have a different view. Approximately speaking, the total number of customers under this framework who are being put into a position where a tracker has been reinstated for them is about 4,000. The approximate income, and I will try to estimate the number based on average balance, is about €170,000. The interest rate differential is probably between €15 million to €20 million per annum in terms of the operational impact across the organisation. This was at a time when the overall income and cost base of the bank changed by €1.3 billion. It would not have been a logical place for the bank to focus a lot of resources on getting this deliberately wrong.