Mr. Wim Verbraeken:

It is recognised and regulated. It abides by rules within the industry and Irish law for that kind of work. Referring to that transaction, there is a nominal €140 million in residual balances. These were all residual balances at the outcome of a legal process. These were not cases where the customer voluntarily surrendered or sold their property and handed back the keys. In such cases, we would arrive at an agreement with the customer on the repayment of any residual debt based on affordability. Such cases would not have been included in that portfolio.