Dr. Colin Hunt:

This issue has been examined very comprehensively within the institution. It is worth bearing in mind that I have a very obvious incentive to draw a line under the legacy issues of the past. I want to start my period as CEO of this organisation by being as forward-looking as possible, bringing an end to the legacy issues and looking forward. This has been very comprehensively dealt with. Earlier I made the comment that we will not be the ultimate arbiter of whether the tracker examination programme is complete. That will be an issue for the Central Bank of Ireland, and we are very actively engaged with the Central Bank in working towards the completion of this programme.