Mr. Richie Boucher:

We have made a lot of progress. We look at developments in the market that might work. We recognise that there are unique situations in Ireland. We have a large business in the UK, with a mortgage book which we manage. If there is some solution whereby we could take an equity in a property and we think that would enhance the value, we would look at that. However, I must reiterate that a mortgage is to an individual. Clearly, one cannot take equity in an individual. The property rather than the lending is the security.