Mr. Jeremy Masding:

I cannot answer the specific question. I return to my first comment about a fully-functioning banking market. Of course it needs to provide fair and right customer outcomes, and that market would then work for all. I do not know the particular circumstances of the case. I care about operating in a well-governed and well-managed fully functioning banking market where customers have the opportunity to get fair customer outcomes. In the case of Permanent TSB, that involves thousands of long-term treatments. We had debates last year about non-performing loans and the consequences that led to loan sales. I would not want to comment except to say I am part of this banking system and anything I or we can do to make it function effectively is important. I do not have anything else to add.