Mr. Seamus McCarthy:

Stating that if one works out the assets one will achieve one outcome and that if one sells them as a portfolio of loans one is likely to incur a reduction is an observation and not a comment about whether it was the right option to take or not. Anyone could, for whatever reasons, when strategically repositioning a business, decide that he or she does not want to be in a particular line of business and decide to get out of it, take a loss and move on.

Deputy Shane Cassells:Okay.