Mr. Brendan O'Connor:

Yes. Of AIB total arrears, the number of principal dwelling home, PDH, arrears is 38,000 and the number of buy-to-let arrears comes to approximately 12,000. Each mortgage or property typically has 1.25 accounts per property. Therefore, 50,000 accounts, amounts to approximately 40,000 properties. This is pretty constant across the industry and includes top-up mortgages, etc. Therefore, the target for March, at 6,200, would have derived from the MARP target which says we have 30,000 accounts that are in greater than 90 days arrears. This comes to approximately 24,000 properties and the target is set against those. The target is constructed based on what was 90 days past due on the last day of March 2013. It is 20% of the accounts that were in arrears on the last day of March 2013. That is how it is constructed.