Mr. Jim Brown:

On the first issue, we had a considerable exposure to developers, which is what we have been selling for the past few years as part of the non-core or bad bank, so to speak, that we have been winding down. We still have some distance to go in that regard. That said, we recognise the importance that Ulster Bank, as a systemic bank, plays in the market. We have re-entered the market to do some construction. While it is at a relatively modest level, we are doing construction lending in the market, both in Northern Ireland and the Republic.