Mr. John Moran:

I can comment on the bank system generally, taking for read all that we have said about other participants. The particular banks that we chose to keep in the system in 2011 have been on a journey. In the beginning we thought about this in terms of five steps and we are now very much in the last step. Stability is restored, there is liquidity, they have been capitalised and so on. We are now at the point where we must ensure those banks actually function to service the economy.