Mr. Bernard Byrne:

EBS is a separate licensed entity subject to full, separate regulation according to the Central Bank rules. We have discussed here before that the main offering from a mortgage customer point of view that we have in the AIB group is in AIB, which dominates in terms of our market share. We use EBS as a challenger brand, and the proposition from EBS is consistent with how others are positioned in the market. The offer from EBS is effectively a competitive offering relative to other players in the market that have cash-back type offers as their predominant feature. AIB offers a standard variable rate mortgage predominantly while that from EBS is effectively a cash-back offer with a standard variable rate. The incremental cost, as we have touched on before, reflects the change and difference between the propositions by EBS and AIB.