Mr. Padraic Kissane:

There are probably four main areas involved there. Ironically one key sector, which is the margin issue, would already be classified as impacted cases, even though they are on the wrong margin. I would consider them not concluded but they would be included in that figure. The outstanding cohorts in the main are with First Active, EBS Homeowners and KBC. There are some staff matters within Bank of Ireland and AIB.