Mr. Jim O'Keeffe:

I will leave it to the Chairman to decide who makes the closing remark on this. The one message we do need to convey is that the best solution for all customers is for AIB to put in place a solution for them. With 1,500 people across the country, this is our ongoing acknowledgement that we did get €20.1 billion from the taxpayer. I know the committee is being contacted about cases and I know that some of them filter through but it is really important that the committee asks people to engage with us. If that engagement is not correct or appropriate, let us discuss that point but the message has to be there that regardless of what information we get to, people understand that they can engage with us to put restructuring in place. If it is appropriate, that will involve significant debt write-down, particularly where there is overhang of investment debt, but two people need to be in that discussion.