Mr. John O'Connell:

I do not think it is an accurate reflection. We await the second publication from the Central Bank which will either make that assertion stand up or we will expose it. We do not have access to the data. We only have access to our colleagues who work in the call centres and the level of pressure they are under. Even today one of them identified to us that their unit is understaffed while top management is pursuing them on the issue of relief breaks for toilet and so forth oh. That is the level of pressure they are feeling every day. When they are on a call, they are receiving it from the customer who is frustrated about something, needs a query answered or whatever. They are getting it from both sides. I am outlining the real-time experience from a colleague today.