Mr. Richie Boucher:

We must provide prudently and must make reasonable assumptions. I would say we may be slightly more conservative than some of our competitors. If we look at the relative performance of our Irish mortgage book, as outlined by Mr. Mason, our provision in coverage would be higher than that of most of our Irish competitors. We believe it is appropriate to maintain conservative coverage ratios, because while we have a strong view the economy is recovering, we must learn the lessons of the past. Things go the wrong way.