Mr. Ray MacSharry:

There are a few questions there. The Chairman is talking about facilitating customers with loans. One does that to the best of one's ability and to the availability of funds. That has been a serious problem in the banking system. That is why one cannot just borrow money on the markets. Some 40% of our business is served through the deposits, 25% through the ECB and 25% through long-term lending. That money is there and it is being loaned out on a regular basis. I am not an executive of the company; I am a non-executive. We ensure that money is looked after responsibly and appropriately.