A question on the Warehoused loan is was it caused by the PTSB overcharging and if so then the only acceptable position is that the loan is firstly put back to the position it was in before the split took place. Then the calculation can be done to establish the pre and post position and then the redress letter should be worded accordingly as if the reason for the warehousing is PTSB then this is obviously totally unfair. This will also mean a restoration of ones Credit Rating as well as a larger repayment direct to the customers. If the circumstances were caused by other reasons outside of PTSB (job loss, economic impact, etc.) then the current redress letter is appropriate with the exception of those who have only been offered ECB plus 3.25% or such rates that are incorrect. Padraic