Mr. Brendan McDonagh:

I will certainly take everything into account in terms of what the Deputy said but what I will say is that because we merged all the loans together, if there was a surplus on one loan it was used to meet a deficit on another loan. We had to manage them on a total debtor basis as opposed to a debtor who had loans from five different institutions. It is a huge logistical exercise and would cost a lot of money to do this but-----