Mr. Jim Brown:

The only answer I can give to that is that we were not part of the Siteserv transaction so I cannot comment on that.

In terms of the losses we have incurred, we had a considerable commercial lending portfolio on which we took write-downs. We have virtually disposed of all of that; the majority of it will be done by the end of this year. We have taken some gains back in terms of realising slightly more for the assets than what we had marked but, generally for us, the situation is that the majority of those loans have been disposed.