Mr. Jim O'Keeffe:

It depends on the circumstances and the debt. There are some cases where that is an agreed position and there are others where it is not. It could be part of a wider connection where there are other difficulties. However, to add to the point on the discounts that are taken when this happens, those discounts are made available to customers every day by the 1,500 people we have deployed to this. During the same period we were working on the portfolio sale, we highlighted as part of our communications that we restructured over €400 million in additional loans. Had those loans not been restructured, they would have formed part of that sale. As we went through that process those loans also received write-downs and write-offs. Those write-downs, write-offs and discounts are provided on a daily basis to customers with whom we are working.