Mr. Brendan O'Connor:

As I was explaining a while ago, we have a very different buy-to-let book that is not within AIB. The MART does not discriminate. A person with a buy-to-let property might have a principal residence. It is largely a commercial buy-to-let book. There are instances of people with ten to 50 buy-to-let properties within the portfolio. We have buy-to-let properties listed that are connected to SME debt. Therefore, the nature of the book is entirely different. The solutions that will emerge are actually holistic debt solutions for SMEs and the matter will be dealt with in that context. I would expect most of the assets in that buy-to-let book to be disposed of over time as part of an agreed disposal strategy when restructuring the SME debt, corporate debt or the big connections debt. We do not really have a book of individual buy-to-let loans but a book of buy-to-let loans connected to multiple asset classes affected by debt. It is the concept of unwinding about which people talk.