Mr. Frank Jansen:

For the SME customers, our portfolio is small and very niche..

It is very much focused on what we call private professions such as doctors, dentists and pharmacists. These are the typical customers that we have in our portfolio.

Bank of Ireland has taken over the loan book. The overdrafts are not taken over automatically but there is what we call a warm handover process. Bank of Ireland will have all the statements and financial information because it is taking over all the loans. It has an interest in ensuring these companies continue to flourish and do their business. It has engaged with us and it will look at the numbers without taking into account any obligations of historical performance with the bank. It will look at the information we have available in order to make its call on the overdrafts with customers. I have not heard of any customers who had a problem with that. Mr. Lennon may wish to add to that.