Mr. Bernard Byrne:

No. I have also said that during or around that period, the bank lost €19 billion operationally from what it was doing. The bank was not in a position to make the right decisions for a whole series of things. That is the context I tried to provide. We are looking at this issue, rightly, as an issue that affected individual customers and should not have occurred. To put the matter in context, there are a series of other things that need to be borne in mind.