Mr. Padraic Kissane:

There are two issues I would raise about Danske Bank. The reason I give importance to it is that many of the banks improved the margin position to retain the customers who were threatening to go to Danske Bank. The loan-to-value product is clear from the outset. However, with regard to fatigue, I can say for certain that I will not stop. There are still issues and I intend to see them through to the end. There are some cases that are more debatable. They are not in the collective and are more singular in nature. That is fine. They were always going to be there anyway. However, the larger cohorts are still in existence.