Mr. Stephen Mason:

Yes. We would have done it for commercial reasons. We are very supportive of the insolvency service. This is a very small sample from which to be drawing any extrapolation. We would have had commercial reasons for doing it. In one of the cases it was based on the conditions attached and the fees involved. We are working, through the Irish Banking Federation, on a protocol with the PIPs and the insolvency service so that we can get standard conditions agreed. That should remove that difficulty for us in the future.