Mr. Stephen Mason:

From our records we can see that 70 protective certs have been issued by the ISI. We were involved in 22 of those cases. Some 11 cases were voted on and Bank of Ireland was involved in four of these. We voted for some and against others. However, we are very supportive of the insolvency process. We see it as being at an early stage and we expect - as has been the case in the UK - the numbers to increase.