Mr. Frank Daly:

In Northern Ireland? No. Again, one would have to look at the letter to the Northern Ireland finance committee in which Cerberus indicates what it is doing with the portfolio in Northern Ireland. As I mentioned in my opening statement, from the figures it advances - I have no reason to doubt them and presume they are regarded as evidence - it would seem to me that they are going to write off an extensive part of that portfolio. They seem to be - in net terms, before costs, fees and so on - thinking that a return may come over 30 months or so of about 7% or 8%.