Mr. David Duffy:

There were mortgages at attractive pricing structures, there were pensions defined benefit which we closed for future accrual in 2012, company cars which we eliminated. In some cases there were medical benefit allowances, which we also eliminated. There was a variety, not non-traditional, but certainly a healthy variety of benefits available. We addressed all of those. There is no variable and all of the other benefits were either curtailed or eliminated. In terms of salaries and associated elements. We cut a lot of the salaries. I cut mine and senior guys, and then all through the organisation. So I think approximately €230 million is the amount of salary-related cuts we made in the organisation. Benefits and salaries were all cut and there is no variable compensation.