Ms Francesca McDonagh:

First, we undertake around 25 million transactions per month and 99.7% of those will happen exactly on time, according to our service standards and to the satisfaction of our customers. There are occasions where we have had outages. Some of those have been an internal issue that we faced at Bank of Ireland, some have been related to external factors that have impacted all banks - whether it is in a particular country or in Europe. We have had an issue where we had an outage through Visa and we were not the only bank impacted. We could also ask Mr. Kelly to speak in more detail about some of the challenges we have had more recently. We have had very short periods of outage that have impacted on our customers and he can speak to what we have done about them.