Dr. Colin Hunt:

Ultimately, the tracker examination process is coming to an end and we are moving to a tracker enforcement process, which is likely to lead to the institution being levied with a fine by the Central Bank of Ireland. We will see what comes out of that enforcement process. As I said earlier, the tracker issue is a very large stain on the character and reputation of the bank. The enforcement process is under way and we will address the issue when we see what comes out of that examination.