Mr. Bernard Byrne:

From an AIB perspective, as I have said, our overall thought is that the best offer, and the one that makes sense longer term for all customers, is a front and back book equalised position. This is what we have put ourselves behind. Our primary drive is not cashback offers. We have spoken about cashback offers, and the trend in other marketplace for teaser rates or upfront cash benefits distorts the market and confuses customers with regard to where long-term value is. In general we agree with the Deputy's point.