Mr. Paul Stanley:

I will do my utmost to get those sorted.

In terms of culture, the Central Bank has completed a culture review of the banks and that will feed its way back to the Minister so the committee will get some indication of it. I am not privy to what the overall outcomes on the banks are but the committee will get some view from the Central Bank and the Minister as to how they view the culture of banks and whether it is the same or whether it has changed. Despite what you say, a Chathaoirligh, it will acknowledge that there has been an improvement in the culture.