Dr. Colin Hunt:

I cannot give the Deputy an assurance on the sector. My responsibilities as CEO of AIB Group are to the bank and our customers. I can assure the Deputy that the sort of practices that were engaged in in the past by various banks in this country, including AIB, in terms of imprudent lending, will not be repeated. It will not happen. We have an appropriate level of regulatory oversight and an appropriately prudential approach to lending. We have an appropriately cautious approach to all our business because we are focused on the long-term health of the bank and our customers. There is a symbiotic relationship between the well-being of this institution and the well-being of our customers.