Mr. Shane O'Sullivan:

The vast majority are in the proposed sale. The sale is made up of a number of component parts. Mr. Crowley pointed to the performing splits. We also are unique in that we have offered splits to some buy-to-let customers, so there are a number of buy-to-let splits that are also in the sale. There are also splits that have failed and they are in the untreated portion of the sale. The final category is that we are withholding a significant number of accounts from the sale, and there will be some splits in that category as well.