Mr. Jim O'Keeffe:

Exactly. Committee members can imagine that as we are setting out our plan to try to navigate the various elements to protect family homes, it is clear that is a significant portion. We expect to resolve this through the solutions we discussed earlier. At the same time, as we move through the potential portfolio sales, we are focused on those investment classes and the overhang of investment on those businesses as described by Senator O'Donnell.

I cannot rule out that as we go through the process we would not have to look at SMEs or farming but they are not our primary or initial focus. Our initial focus, as I have described, is looking at investment asset classes with significant overhang on the businesses we have described.