Mr. Eamonn Crowley:

That is speculation. We do not know because we do not know what the numbers are. Mr. O'Sullivan has outlined the difficulties with the portfolio owing to non-engagement or people who cannot afford to support their mortgage. Any buyer of the portfolio would take on these difficulties and would, therefore, have to think about its pricing in that regard. It could be a profit or a loss; we do not know, but there are difficulties with the portfolio that a purchaser would also have to manage over time.