Mr. Jim O'Keeffe:

The key item for us in getting to that is ongoing restructuring. The difficulty for us now is that as we get to this point, engagement becomes more of an issue. Mr. Bourke has described this earlier. We have seen this in the past when we started looking at a particular portfolio of buy-to-let loans. By the time we got it transacted, it was significantly down from where we were because of the scale of restructuring that had happened in between.