Mr. Bernard Byrne:

In overall terms, the commitment we are communicating is that, by the end of 2019, we will have got to a European norm. One can take that as a three-year timeframe to which we will be progressing. The work we do to come up with individual arrangements is quite consistent with the work done to put a portfolio together, including putting the data together and figuring out the file case. Our experience, from the one example we have referred to-----