Mr. Oliver Ellingham:

I do not think it was particular to any subsection of the loan book, but we heard from the asset recovery executive team at board meetings that the assets in the North and the relationships with the debtors in the North were very difficult. It was the hardest portfolio to manage and to make progress with. Therefore, if there was an opportunity to exit at the right price, then in the view of the executive managing these loans on a day-to-day basis, that is what we should do.