Mr. Jeremy Masding:

I was not here, so mine is just a personal observation. I want to compete with the pillar banks. To echo the points made by Deputy O'Donnell and his colleagues, it is important that we provide innovation, drive and competition, and we will continue to do that. The point I was making was that Permanent TSB is still in turnaround. As a group, we will fix it and will provide real competition to the market. Therefore, I echo the Deputy's points regarding the importance of competition for consumers.

On the issue of our tracker products, I will hand over to my colleague Mr. Mitchell, who has the data on these.