Dr. Colin Hunt:

It is, along with other factors not dissimilar to what Mr. O'Grady has outlined. AIB now has 3.2 million customers. A few years ago we had 2.6 million. That is because of our success in attracting customers who have been migrating from Ulster Bank and KBC. We have attracted approximately 49% of the flow there. The total number of loans on our balance sheet is 14% higher than it was in 2020. Again, that is a reflection of our organic growth but also the acquisition of loans from the departing Ulster Bank. It is also a reflection, of course, of the strong economic backdrop out there. There is a very direct link between the performance of the economy and the performance of AIB Group. When the economy does, well, AIB does well. Of course, we are also benefiting from a normalisation of interest rates after a very long period when interest rates were negative.