Mr. Donal Forde:

I think there's always a practice of restructuring criticised loans. I mean, one of the means by which you try and remedy a loan that is not functioning is to try to restructure it, so, yes, always, not just in that period, there's a practice of trying to restructure criticised loans. But the volume of criticised loans in the period of '06 to '08 would have been very few, so I'm not sure where your question is going, but it wouldn't have been material.