Dr. Colin Hunt:

I agree that it is a very serious issue. When I became CEO three and a half years ago, one of my priorities was to work with the Central Bank in bringing the tracker mortgage examination and enforcement to an end. It concluded with the statement to which Deputy O'Callaghan refers and of course a fine from the Central Bank of €86.7 million. That examination relates to issues that go back all the way to the autumn of 2008. I regret that this ever happened. My priority and that of the board on which I serve has been to conclude this matter to the satisfaction of the Central Bank. That has now happened. I will ask Ms Dooley to give more detail on this.