Dr. Colin Hunt:

The Senator will have seen that we introduced a number of rate reductions earlier this week in terms of our fixed rate offering. We extended our fixed rate offering within AIB. The commitment we can make is that, as we normalise our balance sheet, which is what we have control over, we will be engaged with our regulators. The capital weightings applied to the balance sheet are ultimately a decision for the regulator. We are continuing to make progress on that. We want to put the balance sheet into the best possible state so that this bank can continue to support our customers through the next phases of the economic cycle.