Mr. Bernard Sheridan:

It is a very good question, and it is a concern we had from day as to how these people would be treated. We have set out our expectations and applied the framework to all the lenders. They have all committed to ensuring all the loanbooks are assessed. We are overseeing that to make sure that happens. If they are being sold on to an unregulated loan owner, they fall back to the originator and the originator is responsible. In the case of the IBRC, that includes, for example, the Irish Nationwide Building Society loanbooks.