Ms Jane Howard:

There is no doubt this is one of the biggest, if not the biggest, movement of accounts in Ireland. I absolutely acknowledge that. The way we have set out the plan is tranched and phased. It gives customers six months and end to end the period is approximately 18 months. As part of this plan we have built in continuous reviews. We will look at what is happening. There is good momentum. The other banks are recruiting resources. The challenge is that we do not know what customer behaviour will be like. We do not know whether customers will act when they get the letter or whether they will leave it to the last minute. We will keep it under continuous review. We will take appropriate action to help our customers to move once they receive the letter. If they do not do this we will review it and see what action is necessary at that time.