Mr. Bernard Byrne:

Again, I cannot eliminate that as a longer-term piece. Our focus at this point in time is on commercial investments. In the same way, I am not saying we will never look at a loan portfolio acquisition. That is not in our strategy at the moment, however. Our first point of call, when we look at portfolios, will be on commercial portfolios. I cannot make any other statement because we have not made any other statement in the marketplace.