Mr. Antoine Mac Donncha:

I suppose the Department is aware that the customers in ICS and in Bank of Ireland are both being treated under the framework of the CCMA. We are clear that is the case so all of them are receiving the same level of protection that is extended across the system as a whole. I anticipate that if there were some particular difficulty in terms of contrast between ICS mortgage holders or Bank of Ireland mortgage holders, it is something of which we would be aware. I am not aware whether that particular inquiry has been made. That is not to say that I am certain nobody has looked at whether there is any difference in approach between ICS and Bank of Ireland. It is just that I am not in a position to say to the Deputy that somebody has looked at that specifically. I would be very surprised if there were any significant contrast in the approach being taken by Bank of Ireland, effectively, towards those mortgage holders who are in ICS and those who are in Bank of Ireland. I do not see any reason it would be likely to differentiate between them.