Mr. Jeremy Masding:

We took the whole perimeter, the €5 billion. We made every effort to get to the best combination of NPLs that would get us the best result for the taxpayer within that construct. I have talked about the exclusions. The exclusions are stand-alone private dwelling house, PDH, split mortgages. In the same way, however, a performing loan, which is either up to date or performing as the Deputy might describe it as per the terms of restructure, can still be included in Project Glas if it was part of a wider package containing an NPL or cross-collateralised with an NPL. The same is true of a split mortgage.