Mr. Bernard Byrne:

I will re-cover the ground slightly. The recent rate reductions have been under the AIB brand and position and that confirms our long-standing position of front and back book pricing and implementing price reductions for existing and new customers. AIB is leading the way in that regard. I have said that is our overall view on the best way for the market to develop but we do not control the market, which is made up of different pricing propositions.