Mr. Shane O'Sullivan:

The two things are separate. The voluntary surrender campaign was done in advance of the sale. We offered a large number of buy-to-let customers an opportunity to return the property and have the shortfall written off. This happened and has been completed. That is different from what Mr. Masding has just explained. Then there is what is left, and the bank is obliged to follow the rules that it is obliged to follow. Mr. Masding has explained them. Those loans, in the connection he described, make up the 25% NPL ratio, now down to 16%, that we have talked about. The bank is working through the end of that transaction, the 25% down to 16%. That is different from the voluntary surrender campaign, which has been completed.