Mr. Shane O'Sullivan:

To add to that, these figures are for Permanent TSB only and for the portfolios we have had and not sold. The 50% reduction in questions Nos. 1 and 2 relates to Permanent TSB loans that we have worked through with our borrowers. It is not reduced by the 5,000. As Jeremy Masding says, that is a separate portfolio or portfolios that were in our non-core division that were sold.