Mr. Brian Rowntree:

There are mixed views as to how Cerberus has performed. Some people are quite pleased that they have been released, as they call it, from the shackles of NAMA. Some people say that. Some people also say that they have been treated very aggressively by a very aggressive vulture fund in service. Those are individual testaments from individual sources in corporate entities, but we are not seeing a huge amount of development on the ground.