Mr. Kieran Wallace:

They are quite varied in nature. We have employees who are owed moneys in respect of contractual entitlements and suppliers who were owed money on the date on which the bank went into liquidation. The most substantial creditor is the State, which will account for approximately 70% of the unsecured creditors of IBRC. We have our secured creditor, NAMA, which is owed just short of €14 billion.