Mr. Liam McLoughlin:

Even for the more challenging cases, the bank's strategy has always been to try to work through a solution with the customer. There are no plans for such sales, nor have there ever been such plans in the bank. That is not to say that it will never happen, but there are no plans and it is not our intention to sell non-performing loans to vulture funds. In fact, our performance over the past year with both small and medium enterprises and with mortgages has shown that we are very much in the business of acquiring performing loans.