Mr. Jim O'Keeffe:

The scale of what Mr. Byrne has outlined is right. When we discuss cash recovered, we sometimes set it aside from the restructuring, but it all forms part of the one piece. During that period, customers would have been given the opportunity to sell down properties and so on, after which cash would have flowed. We would also have put customers on normal terms and conditions in their restructured loans, which would form part of the cash recovered category. The reduction is either down to restructuring and the associated performance of that restructuring or debt write-off. There are probably two large blocks to the reduction.