Mr. Ciarán Coyle:

To follow on from Mr. Stanley's point in respect of the system, given the period we are going back over, the fact we have five different mortgage systems has undoubtedly caused a delay. The Senator may have been out of the room when I said we have invested in excess of tens of millions to migrate to one mortgage system going forward. We cannot change our history. Our history is as a First Active bank. It is Ulster Bank, NatWest and RBS. We have to deal with those issues and move forward. That is different to the histories of the other banks.