Mr. Frank Daly:

-----because it is self-serving. It is back to the conundrum for NAMA of when to sell and to hold in a general sense. If we had absolute certainty that we would get more for our portfolio this year, next year or the year after, we might make different decisions. All we can do at the moment is conduct an analysis, come up with a reserve price which is the minimum value we think any asset or portfolio is worth and never sell below that.