Mr. Jeremy Masding:

All of those treatments are NPLs.

Let me answer Senator Conway-Walsh's question. The second question is around the ECB not being prescriptive in terms of what we can and cannot do. That is true. Our non-performing loan, NPL, ratio, however, is totally unsustainable and it is dangerous for Ireland. As a guest in Ireland I believe that I can say that and perhaps be a bit more objective than most. Our NPL ratio is-----