Mr. Brendan O'Connor:

Unfortunately, one cannot conflate the two numbers. When a write-off actually happens has a lot to do with when a property is sold because there is no certainty until then. We may agree to a write-off, but that may not be reflected in the numbers until the write-off actually happens. These are a set of financial accounts rather than a reflection of all of the agreements that may be in train with customers at any given time. The number of 40% does not hold true, but neither do we disclose what the number is.