Mr. Mark Neporent:

I cannot comment on anything particular. All I can say is that our preferred method is to resolve things consensually. In a portfolio with approximately 2,200 loans, 900 properties and 55 connections, there will be some disagreements with borrowers. When we took over the portfolio, approximately 22% of it was already in enforcement of foreclosure proceedings started by NAMA. We have had to commence enforcement on a far lower percentage of the portfolio.