Mr. Jim O'Keeffe:

As the Government and the Oireachtas saved AIB in the past through that investment, we have put a structure in place. We have thought long and hard about the solutions we have put in place to protect customers, not just in the short term but into the long term. We have taken a considered approach to our plan. The Oireachtas on numerous occasions has asked us to be cautious about how we deal with family homes in this late stage of the process. I am not asking for applause but we have spent considerable time on this and put a considered solution in place for mortgage-to-rent. That has brought us to a point whereby we can deal in an appropriate fashion with family homes.