Mr. Stephen Groarke:

We would have to look at the detail of what comes back from the Single Supervisory Mechanism, SSM. If it gave us that option, we would have to consider taking the loans out of the sale. As Mr. Crowley has described, we are at a very early stage in terms of the bundles of loans for sale. We have not made a formal decision on the final perimeter of loans. If the SSM gives us an answer that allows us to take the loans out in a way that works for the bank and its stakeholders then of course we will consider the matter.