Mr. Myles O'Grady:

I do not have that split, but what I can say is that €38 million is a number that represents where the bank is of the view that it is not possible to secure cash flows from the customer. That would be linked with the various forbearance solutions Mr. O'Connor would be overseeing. The corresponding figure for last year, for the full year, was €55 million written off on mortgages. For six months this year it is €38 million. Therefore, the Chairman can see that we are beginning to-----