Mr. Brendan McDonagh:

As I said, Deputy, there’s very few debtors in the position that their assets are going to realise enough to pay back the original amount that they took out. It really is, in a conscientious relationship, that they maximise ... they work with us to maximise the value of the assets we got, based on what they’re worth over the period of time when we agree disposal schedules with those debtors of when the assets would be realised to maximise return, but clearly that is linked by reference to the ... fact is that the banks had lent €74 billion, that’s what we acquired. We paid €32 billion for them. The market value of the property was close enough to €32 billion. At the time of acquisition, there was a decline in the market after acquisition; it’s come back, and we would expect to get back around €33 billion.