Mr. Mark Bourke:

In relation to provisioning, two circumstances drive write-backs. The first is where we have worked through restructuring and one gets to an end point where we have visibility on cashflows and additional assets of the borrower. In the second, where we have large portfolios, such as mortgages and personal lending, we estimate the change in market value through the peak-to-trough estimation and that drives a level of the write-backs. The other side of it is the specifics that arise from each case, as Mr. O'Connor referred to.