Mr. David Duffy:

A few issues arise, but I will make one comment on the issue of not mentioning the €20 billion. I said at the end of my statement that we did not underestimate the investment by the State and the State's support of AIB in trying to get to where we needed to get. The entire team is working around the clock to make it an investable bank, which means that we will try to get to some point where we can give that money back. To be clear, it is at the forefront of our minds.

On the other issues, in terms of the definition of the numbers for the mortgages and write-downs, Mr. O'Grady might mention the first six months, go back to last year and split them to the degree that is possible, as we have disclosed some of them in our accounts.