Mr. Wim Verbraeken:

I am not familiar in detail with the position in other major lenders in Ireland, but the Deputy is probably correct that KBC is the only major bank in Ireland that is not unionised. That is for historical reasons. As the Deputy knows, KBC was a merchant corporate bank up to seven or eight years ago. We absolutely recognise the right of any of our employees and staff members to join a union. We pride ourselves on developing very strong fora for interaction with our employees. The level of communication throughout the bank is very strong. As we have a very flat management structure, we take every opportunity to inform our employees or seek their input on questions of relevance.