Mr. Gary Tobin:

Thankfully, I can honestly say I know nothing about safety deposit boxes and, therefore, I will leave those questions to my colleagues who were involved in that issue.

On the current regulation, we consider the Central Bank, as it is now, as an assertive and robust regulator. While people may disagree with that and have different views, and while they may think the tracker mortgage investigation has taken too long and so on, the tracker mortgage investigation is one of the most complex investigations that has ever taken place in the State. It involves probably well over 1 million mortgage contracts and a vast amount has been paid as redress to affected customers. On an objective basis, the investigation would be seen as robust.