Ms Jane Howard:

I will come to that question now. When we made the announcement in terms of the withdrawal, we did express the preference that we wanted to, where possible, work with full service banking providers. The reason for that was because of ongoing customer service. It was an opportunity to minimise job losses. We have seen that in the two transactions we have agreed with AIB and, clearly, when we reach agreement with PTSB. That was what we set out clearly when we announced the withdrawal.