Mr. Bernard Byrne:

As we have said in the past, we were making progress on the framework as a whole while we were carrying out assessments of individual customers. As we did that, we made submissions in respect of those groups to the Central Bank. We always said that this was going to be subject to review by EY and the Central Bank. Obviously, the process of engagement with the Central Bank on those groups of customers only took place towards the end of last year. That was when we came to the conclusion on the groups of 4,000 and 900 that we have described.