Mr. Karl Flannery:

I have been chairperson of the Irish Software Association. We have worked recently with AIB on its outlook report. We helped them to understand the structure of the sector itself, the scale and the type of products needed. That information will be used by AIB to create products tailored for the market at branch level, so that they themselves are trying to gear themselves up to work with the technology sector, which is a major sector in Ireland. There are specific things going on, but I do not see that it is systematic across all the banks.