I would also like to thank the Chairman and Board of the Irish Financial Services Regulatory Authority for their effective co-operation in ensuring that our new arrangements work as smoothly as they do.
Finally, I would like to express my sincere thanks to all of the staff, both in the Central Bank and Financial Regulator, for their work and commitment in contributing to a very successful year. This concludes my opening remarks. My colleagues and I are now available to answer questions. 3/3