Mr. Eamonn May:

I will try to be clear about it because it is a well-documented area. I believe they are making efforts to be more effective. Certainly, they are providing funding to low-risk and medium-risk projects. We see a challenge with the cases involving more challenged companies. They need to be a little more proactive in terms of resolving some of the legacy challenges that exist in those cases. In many cases they are viable businesses and they have capacity for future growth but there is a place for both bank and non-bank interaction. There is a requirement for creativity in terms of solutions but there needs to be a solutions-focused approach.