Mr. Brian Nugent:

It is true that because we have such a wide footprint across the Twenty-six Counties, going right across the Border counties and so on, there are particular hotspots where we would be one of the core banks that would be left in that region. So those areas were areas where we had to deploy our extra resources more promptly. That and Dublin central, where Ulster Bank was quite strong, is where we have had to deploy my own offices on Grafton Street. Our colleagues worked overtime, and did extra hours and work from early doors on this initiative but we have been about that. Yes, we went to the hotspots first.