Dr. Colin Hunt:

We comply with that framework to the letter.

On the bank's attitude to trackers, the decision to withdraw trackers was made in autumn 2008, some 14 years ago, long before I joined AIB. To contextualise it, the decision at that time was based on the fact the world was going through a major financial crisis. The decision to withdraw trackers was taken in that context. I am not here to apologise for that decision at all. We have obviously had a long engagement with the Central Bank, which concluded with the fine we received in June this year. I will not go beyond that.

In relation to valuing the customer-----