Mr. Ciarán Coyle:

As Mr. Stanley said, our technology strategy is to simplify the estate. Last year we migrated from one of our largest legacy mortgage systems to the two we now use. We only use one of them for all new business. It is a function of our history - from First Active Ulster Bank to National Westminster Bank to NatWest and Royal Bank of Scotland. That is the reality we are managing our way through. To be clear, we have invested a lot of money, on which I am happy to take questions, in getting down to two systems, one of which we use for new business.