Mr. John O'Beirne:

We engaged with the Central Bank on this issue. In relation to some of our advertisements, this was to ensure they complied fully with the full code by making sure warnings and other things were fully visible. We are working with the industry, through the Banking and Payments Federation Ireland, BPFI, to ensure we meet the various commitments under the new regulation on transparency and changes to the consumer protection code of 2012. We will ensure that customers seeking to switch their mortgage can do so within a particular time.