Mr. Bernard Byrne:

The answer is that we do not definitively know because it is a calculation based on profitability at any point in time. What we gave was a set of estimates based on a prediction of future profitability. That gives an estimate. If one applies a similar number, the projection ends up being somewhere around 17 to 18 years, but it is a projection based on a set of assumptions that will ultimately vary depending on the actual financial performance of the bank.