Mr. Bernard Byrne:

In many cases of restructuring a company might have a three year or five year term loan that expires. We give that company a new term loan, that is, a new loan in terms of restructuring or a re-facilitation of that loan. The restructuring activity is a separate financial solutions group activity and during the coming 12 or 24 months we expect to see significant progress made in terms of the restructuring of the SMEs in difficulty.