Mr. Jim Bradley:

It is important to realise that the date of 2020 was agreed with the European Union and that there was a contractual understanding of the timing. We are well in advance of what we forecast and continue to move ahead to try to wind down the loan book as quickly as possible, given the capital constraints, because ours is a regulated entity which must maintain capital ratios for the Central Bank. There are many competing forces that drive the decisions we make.