Mr. Ed Sibley:

I distinguish between owner-occupier loans, PDH as we describe them, and buy-to-let loans.

Certainly, I am not aware of any plans to sell any owner-occupier tracker mortgage loans by any of the banks operating in Ireland today. There are discussions around potential portfolio sales which, I think, potentially will include buy-to-let loans. I would expect that they would not include loans that are in the scope of the tracker redress programme but we will check that to make sure it is definitively the case.