Mr. Shane O'Sullivan:

I would look at it slightly differently. We talked about the funding earlier. The customers who are keeping €2,500 or more in their accounts are essentially providing funding to the bank and that is often cheaper funding than we might get in the market. That free banking is applying at a threshold is a reflection of the fact that it is funding. That threshold of €2,500 is among the lowest in the market. I believe most other players are in or around that threshold or they have a higher threshold of €3,000.