Mr. Mark Bourke:

The totality started at €29 billion, with €17 billion in provisions. As Mr. O'Connor noted, we reduced that by €3.8 billion at the half year and wrote off €1.9 billion of those provisions. The important thing to note is that in doing so, we are talking about the work that is being done and individual restructurings showing that we are over-provided in that particular case. The summary for the half year was that we wrote back a level of those provisions. What we would not do is extrapolate that and say there is an over-provision level or an amount that will come back. What we would say today is that by the time we work through another large tranche - we are planning to deal with between €10 billion and €13 billion in a two-year period - we would have time-----