Mr. Niall O'Donnellan:

There were two major elements relating to the equity portfolio. One was the return we got on our seed and venture funds, which was positive in both years. Actually, it just went down. We got €5 million last year and about €1.8 million this year. The second is that we had a major loss on one company that accounts for a significant amount of that increase. So they are the two major swing factors.