Mr. Jeremy Masding:

The Senator would expect me to reply to that. By our own estimation, we have kept 30,000 people in their homes. We allowed customers to take their tracker mortgages with them on a portability basis. We gave customers with an SVR access to an MVR. We hope we are contributing to the real economy with our 40% mortgage market share. We hope we are getting a new set of young bankers and instilling in them the right values and behaviours for a banking system, which is important in Ireland. I hope these examples show there has been change. There is still more to do. If the Senator's point is that we think we are finished, that is not the point I was making. The facts show there has been change.