Mr. Richie Boucher:

I cannot speak as to why we are relative. The statistics, based on public information, as our arrears profile, as our relative defaults, when assets were transferred to NAMA, may talk to original underwriting - we have made a lot of mistakes - and also the work that we have been trying to do, and continue to do, over the last few months - that may be some of the explanation, but I will ask Mr. Mason to deal with the question on the guidelines, etc.