Mr. Ajai Chopra:

Well, the issue around the promissory notes was that there was a very large outstanding stock of emergency liquidity assistance. There was the issue of how to deal with Anglo Irish. There was the issue of the amortisation schedule for the promissory notes. On the European side, there was the issue that this needed to be dealt with in a way that did not give rise to the perception of monetary financing. So a workable solution needed to be found that addressed all these issues, and that took some time.