Mr. Bobby McVeigh:

Yes, but as Mr. Doyle outlined, if credit unions A, B and C are involved in a restructuring proposal, the complete analysis of the balance sheet for each of them is made in conjunction with the Central Bank. We review all of this. If there are bonds involved and possible amounts to come back, that will all be taken into account on the balance sheet. By this point, there will probably have been provisioning by individual credit unions.