Mr. Jim O'Keeffe:

As I said, the focus is on investment loans outside of family homes. Buy-to-lets will be part of that, as will commercial real estate, land and development and property and construction. That is the primary focus of the potential loan sales as we go through the process. On the question of farms, we have worked very well on the solutions we have put in place for farmers and we are doing that very actively as we go forward. Our solutions as to how we can put in place a solution for customers on the farming side is quite unique in the market in respect of the way we operate. However, we have some farming loans, or farming connections, which have a much bigger overhang of investment debt than the farming connection itself. They are cross-secured against the farm and vice versa. Those loans, if we do not have them restructured, could form part of a potential sale as we go forward.