Ms Derville Rowland:

I will deal with this first. My colleagues, Colm Kincaid and Patrick Casey, were here at a dedicated session particularly focused on fraud. The team at the time gave the incorrect figure. I was not here. They obviously corrected the record, and I am glad they did. It was cost effective and I am glad of that. However, we are doing a trial approach in the Central Bank where we think it is important that consumer education, awareness and information are part of the solution and not the absolute solution. What the campaign the team was talking about at that time was more focused on authorised push payment fraud. I know that since then we have information on our website. We use channels. We have had another campaign since. We have tried to measure the effectiveness of these campaigns by way of impressions and insights to see, at least at first pass, how much of the general public this reached. That is a good starting point.