Ms Derville Rowland:

There is a lot in that so I will ask Ms McEvoy to help with some of it. On the €693 million, we have a breakdown of the different components of that figure and we know how much is redress, compensation, etc. Ms McEvoy will give those figures. Separately, the banks have reserved more than €1 billion for their administrative costs in recruiting professional advisers, as we demanded that they do to check their homework-----