Mr. Eamonn Crowley:

I appreciate that and the decision to date is that we do not offer that. Indeed there are options for customers to go to either AIB or Bank of Ireland, with respect, but our position has been that we do not. Operationally it is quite challenging for us. I do not think it would lead to a good customer outcome in that sense because the customer could incur difficulties. I would suggest there is choice in the market. We are just not in that area, that is the key point, and we are clear about that. If a customer comes to us in this situation we say: "Our policy is not to support you."