Mr. Antoine Mac Donncha:

It is something that is being considered in the context of the legislation, that is, whether or not borrowers or, indeed, depositors would be adversely affected. That is one of the factors that had to be considered in terms of the transfer. We are talking about a two-step process here. In terms of the legislation, the initial transfer is to Bank of Ireland, so it would not appear that there is any real adverse consequence for members from that aspect of it.