Mr. Shane O'Sullivan:

It is probably one question I would like to answer if I can because it is an important issue. At Permanent TSB, we do not see legal proceedings as a customer treatment so that is why we do not have it on the second chart; we see it as a consequence if customers do not engage or do not accept what we feel is the right short term or long-term treatment for them. We see it as a consequence and not something one would count.