Mr. Bernard Byrne:

Customer identification is the first thing to do and we need to make sure we have captured all those customers. We did not have them in the framework and that is why we did not conclude this in time. The process of compensating these is simpler than for the others. The group of 900 will effectively be dealt with over the course of the final two quarters. The division as between this and the work in the first and second quarter is roughly 50:50.