Mr. Mark Bourke:

We are talking about the fact that AIB currently has an inordinately large non-performing loan portfolio of approximately €26 billion, and today we have approximately €13 billion of provisions against that. That is down substantially, even from our June results. Our experience to date has been, as one will see in the June results, that we restructured approximately €3.2 billion and we wrote off against that €1.9 billion of provisions. In doing so, we were able to write back approximately €200 million. That is the result of the first six months, which tells us that we are operating comfortably within provisions to that extent, as we work through our non-performing loans.