Mr. Donal Forde:

Sorry, that would be fair. That would be fair. Later on, that became a feature, I think, I would say through '09; and, late '08, there were some who were beginning, as I explained earlier on when you asked me to explain the deterioration in the portfolio, it was for that reason, that we were beginning to encounter some cases where they simply couldn't pay their interest because those sales weren't materialising. Yes, that's the case, but I would distinguish those from the concept of interest roll-up more generally.