Mr. Joe O'Toole:

It is not within our discretion but just for information, I am aware that the regulator said in the past fortnight that 50% of those who have restrictions at the moment will be reviewed individually and that she expects a huge improvement in the position in the next six months. That is as I heard it from her. It is not something that we come across. It is something we become aware of only in the course of a merger.