Mr. Brendan McDonagh:

We give an example of this in our annual reports. In terms of what we do with consensual debtors, we can do a restructuring of a debtor's loans. A debtor might owe €100 million and we might have bought the loan again, to use the example, for €40 million. We might restructure that loan into what we call a tranche A type loan, a performing loan, which might be, say, €45 million and then a tranche B loan, which is €55 million. The debtor would still owe €100 million. It is just the fact that we restructure his loans, and that is quite normal in banking.