Mr. David Duffy:

The starting point is at the Minister's discretion. Our objective in the bank was at the end of this three year cycle, or three and a bit year cycle, to create a bank that investors would find attractive, and that begins the process. The exact duration is a function I can't predict. How much is sold and how much is retained and then what the dividend will be can vary it quite significantly but I do believe over time, however long it takes, in whatever construct the Minister wants to sell, the money will be returned.