Mr. Bernard Byrne:

The general perception of where that needs to get to is for between 5.4% and 5.7% of the loanbook to be in a non-performing exposure category. It is probably twice that, approximately €3 billion, if put in terms of overall positions. We have come from €30 billion down towards €7.8 billion over the last number we have declared, so we have carried out a huge amount. The next stage is much more modest by comparison and we continue to work through that quite positively.