Mr. Stephen Groarke:

The other €4.5 billion - call it two thirds, one third - involves a combination of standard variable rate, SVR, and fixed rate mortgages. The vast majority would be SVR mortgages. If one looks at the asset management unit, it is split between €3.2 billion of non-performing tracker mortgages, €2.8 billion of SVR and fixed rate mortgages- the vast majority would be SVR mortgages- and €3 billion of performing tracker mortgages that have not met the yield test for the good bank.