Ms Josephine Feehily:

It could add to the losses. We are engaged at a macro level with the Department of Finance to make sure we are aware of developments. More importantly, our case managers in the large cases division will sit down with the individual institutions and get an assessment from them year on year, which is how we get the data as to their expectation for next year. It happens at two levels. We are also monitoring the developments very closely because, right now, it is a bit unclear to us precisely what way banks are going to respond, particularly in the personal insolvency area, which has potential relevance to us in all sorts of ways. We are monitoring it centrally and at the level of cases. What we will do will depend on what happens.