Mr. Brendan McDonagh:

I had a conversation with a senior executive in Goldman Sachs after it pulled out. Basically, the reason he gave was that we had continued to sell assets once we put the portfolio onto the market. We were able to sell some of the income-producing assets within that portfolio at very good prices. Then, when Goldman Sachs looked at the portfolio when it went to stage two, some of the income-producing assets that had been there in stage one had been sold and the portfolio that went to stage two had been recut. They said there were not enough income-producing assets left in the portfolio and they were pulling out because there had been very few income-producing assets in it in the first place.