Mr. Jeremy Masding:

To go back to the first question the Deputy asked, we go through a regulatory process which includes discussions around personal accountability. It is known as an enforcement action. In terms of the culture of Permanent TSB, we are working to create a vibrant and profitable bank, and that culture needs to be based on the correct outcomes for customers. Everything we are debating this morning relates to what might be termed as legacy issues. They cannot be allowed to happen in the future. We are working hard, in terms of people, processes, and structures to make sure that we build the type of institution that defaults towards the correct outcomes for customers.