Mr. Bernard Byrne:

A significant proportion. Depending on cases, between 30% and 50% could have been written down. There may be an easier way to consider this. We had €17 billion in provisions against the €31 billion. We now have €9.2 billion. Impaired loans - the really challenging pieces - probably amounted to €6.3 billion, for which we had a 44% provision, or €3.4 billion. We have used €14 billion of our provisions to restructure that debt, very small amounts of which have been released back into the profit and loss account. The majority was used to effect restructures for customers who engaged.