Mr. Richie Boucher:

If we look at slide 35 in the presentation, this shows our book compared to AIB's. It is not for me to talk about AIB's policies, but certainly €5.4 billion in defaulted loans is a big issue and assistance is required. We use third parties, although we do not often name them, who assist us. AIB is using one third party, they have a very significant issue and that is their decision.