Ms Ann Nolan:

No, we put money in on the basis of the Central Bank's stress tests, not on the basis of their projected write-offs. I know the two are related but it is only one of the factors that goes into the stress test. Things like economic growth in the future and all that go into the stress tests as well. On the secondary issue of the €35 billion, that is going to be a long-term write-off. Let us assume the living banks do pay us back and we have to write off the €35 billion-----