Mr. Jeremy Masding:

I want to be very careful with how this comes out, because it implies there is no sense of regret from the management team, but let me place on the record that what I am about to say is merely about numbers and we are not trying to escape this in any way. To my knowledge, the percentage of customers who are impacted in Permanent TSB is 5% of the total. Why is that? Let us not forget that over 60% of our book is already in trackers, so I think that is important. In good faith, I do my best to assure the committee that the way we approached the work was in an objective, customer-centric manner. As far as the board of the bank is concerned, in terms of dialogues with the Central Bank of Ireland, there are no further cohorts that are impacted.