Mr. Richie Boucher:

In terms of the assessments, I was trying to be helpful by giving the figures for the year to date and the July figures which are the most up-to-date figures available to me and my colleagues. Obviously, we look at this on an ongoing basis, but in a format that I can discuss with the committee, Bank of Ireland was able to offer restructuring of debt to 80% of the customers who had had an SFS assessed by it.