Mr. Jeremy Masding:

I appreciate why the Deputy made that comment and inadvertently asked me a question. I am afraid I can only go back to my opening remarks. NPL definition is complex. We are bound by the rules of the regulator who holds our banking licence. At its simplest, a loan is an NPL if it is greater than 90 days past due or is unlikely to pay. The team will have gone through the accounts and any account with an "unlikely to pay" code on it would be in Project Glas. If it is in Project Glas and there is a connected account, the whole connection is brought into Project Glas. I am afraid they are the rules of the game that we play.