Mr. Bernard Byrne:

First, we have not sold residential loans to private equity funds. We sold a portfolio of buy-to-let properties - investment properties - as we have said. As Mr. Bourke has indicated, we are on a programme to reduce our level of non-performing loans to the European norm. We have a commitment effectively to achieve that by the end of 2019. At this time, the vast majority of that reduction is being achieved through case-by-case restructuring with individual customers.