Mr. Bernard Byrne:

I have not examined the detail of their numbers, but my guess is that that is the full disclosure of all the liability positions they have and they have priced them all individually. Our understanding is that other institutions do not disclose the information in this way. I could be wrong, but we have examined and tracked this. The one other issue which could have had an impact on this in the period is the subordinated liabilities, that is, the contingent convertible bond, CoCo, which is included in that for the period and which is the higher cost. I would have to examine the detail of the reconciliation. That may have had an impact.