Mr. Brian McEnery:

To go back to where we were, until the approach came to NAMA the basis of recording the investment in the Northern Ireland assets was effectively the carrying value. On an annual basis we would put impairments, we would look at the cash flows out over the next few years and say this is what we think we will get on the basis of the cash flows. For an accounting purpose we would use a discount factor of 5.5%. That is for accounting, it is the effective interest rate, EIR. That is what we discounted our cash flows at from an accounting perspective. I think I gave the clerk to the committee this morning an important single page out of our 2013 accounts.