Ms Derville Rowland:

There is a regulatory framework in place that we must follow. We have a lot of options, from fitness and probity to taking enforcement cases. In the tracker mortgage examination, the first priority has been to identify the customers who were affected - they number 37,100 - and to ensure the payment of compensation and redress to them. That work is ongoing, with €459 million having already been paid out to customers and more to follow. As part of that examination, a separate approach to this is to take enforcement cases which require a forensic investigation into the conduct of the lender to establish if it has broken the rules, the evidence to support that and the participation of individuals. That must be a rigorous and detailed process so that we can bring those cases properly through to fruition. The Central Bank has a good track record on enforcement cases, having concluded more than 100 already, all of them made public. We do take fitness and probity cases and have prohibited people in the past and I am quite certain that will continue. We are very committed to that.