Mr. Kieran Wallace:

That is an entirely legitimate question. As Mr. Richardson said, each process for the sale of loans goes through a number of different stages. We have phase one in which we try to determine whether there are any parties interested in acquiring the loans. After that stage 1, we then look to see what kind of values the potential bidders have put on those loans. Where there is an appropriate reason to bring bidders through to phase two, we do that. This is probably one of the more complex books in terms of getting it to market and getting it sold. It was our professional judgement that it was only in the last two weeks that it made sense to engage with the bidders in respect of this issue. We had heard it debated. In our professional judgement, there was no point in doing it prior to that because it was only at that stage that we had some insight as to which bidders were seriously interested in making a bid for the various loan portfolios within this section.