Mr. Richie Boucher:

As an overall total, taking into account the buy-to-let and the owner-occupier, there is €27 billion. The negative equity component of that is €3.9 billion. Of the impaired loans - that is 90 days past due and-or impaired - €1 billion is considered impaired negative equity and 90 days beyond it is due but not considered impaired is €200 million.