As the deputy will be aware, during recent Review Missions of the Troika the Irish authorities have discussed the issues relating to the high cost of funding banks’ tracker mortgage books and the related impact of the negative carry, relative to the interest rate received on the mortgages, on net interest margin and profitability. We are continuing to explore all possible options in lowering the funding costs associated with these assets. It should be pointed out that the impact of low yielding trackers has reduced considerably as a result of the tighter market spreads now being achieved by the Irish Banks when accessing the funding markets.