Mr. Bernard Sheridan:

To be clear, no, the Central Bank has not signed off on this issue. This is one of the live issues that form part of the examination. It is one of many and it is a complex issue. To be clear, the scope of the examination is not purely around contractual obligations. It is around regulatory obligations, which is around transparency, and also other influencing factors that lenders need to take into account. In the context of this particular issue, we require all lenders to take those three elements into account and not just the contractual element. This is a live issue and, no, we have not signed off on it.