Mr. Ger Deering:

My answer to that at the moment is that I do not know. The banks are doing what they are doing and I would hope we will start to see the results of that in the coming months. It is only when I get the documentary evidence of what they have actually done in each individual case that I will be able to say whether I was happy with how they dealt with that. I appreciate there are two issues going on here because the Central Bank is also overlooking all of that but we are completely independent and separate and will be looking at that process separately. Currently, we have no visibility inside that process. It will not be until we start to see the outcome, and we will be dealing with the fallout of that in terms of individual customers.