Mr. Bernard Byrne:

No. We submitted our compensation to the Central Bank in 2016, as each individual institution had to. We derived it by looking at other models and at Financial Conduct Authority issues in the UK, as well as at the circumstances in this case. We had a dialogue with the Bank but it does not agree or approve it, though it notes it and may challenge it in certain respects. We have been redressing customers since December 2016.