Mr. David Duffy:

I will work back up the list and engage my colleagues in some of the answers.

The question around whether AIB is willing to engage in write-downs is a very simple one and the answer is "Yes". If one looks at our disclosed accounts across the corporate, commercial and mortgage book, we have a declared amount of €475 million which has been written down in this process. What do we mean by this? All of what we look at is based on affordability. In a circumstance where an individual, a corporate or somebody in a multi-debt connection can work through the MARP process, everything is dictated from regulatory perspective and it is clear that regardless of the circumstances or any future modelling, there is a lack of affordability and it cannot and will not be paid, however hopeful anybody might be, we try to define an amount that is affordable and the rest becomes a write-off. In answer to the question, that is how we do it. That is the quantum that has been addressed in the first six months of this year.