Mr. Brian Hayes:

I cannot comment on what the Central Bank said or did not say on that issue. I believe it highlighted the issue of the best customer outcome, which was the phrase it put to us, on the exiting side and the remaining side. The Central Bank, rightly, is looking at this very closely to ensure we have the best customer outcome. I am not going to make a comment on what it said on that particular point. That is a matter for it and it would be unfair of me to make a comment.