Mr. Tom Kinsella:

A good example of that is the way we have dealt with complaints as we have move forward. We now have a centralised complaints team to make it much easier for customers to get satisfaction in terms of that. That has reduced waiting times from 28 days down to 11 days. That team is based in Limerick. In every branch in the country we have a resolver role, which is played by somebody senior in the branch who is authorised to deal with complaints involving up to €750 on the spot, to deal with a complaint from a first point of contract for a customer. That is an example of how we are trying to put our customers first.