Mr. Mark Bourke:

I will expand on that. There is €6.3 billion of impaired loans. We have another €3.9 billion which is post-restructured debt. That post-restructured debt is generally performing and going through the probationary period about which we spoke. Within a year, they would generally graduate out to performing debt. We believe the vast majority of that will not reimpair and therefore it becomes performing debt. That leaves us with a task to restructure and to graduate to performing the remaining €6.3 billion. We have to get the total number of non-performing exposures down from €10 billion to between €3 billion and €4 billion. The actual restructurings that must take place are in the impaired population.