Mr. Jim O'Keeffe:

In fairness we touched on this briefly earlier with Deputy Jim O'Callaghan in respect of the question on simple interest. It was calculated on that basis. As I said to the Deputy at the time, we confirmed with the FSPO in detail that we were applying it in the right manner and we got confirmation of that before we moved ahead to the wider grouping. It is absolutely in line with how the FSPO wanted the decision to be applied.