Mr. Ger Mitchell:

I wish to build up the reassurance for the Senator. We have conducted that review for 31,500 customers of the 33,500 and everything followed exactly as it should have. Effectively in the review we conducted, there was a core team, an independent decision forum team, an independent steering group and all of that was overseen by KPMG. All submissions were made through the Central Bank of Ireland and the board right the way through the process.