Mr. Eamonn Crowley:

I will pick up on that point. We are working through our book. If the Senator looks at our results which we announced on 29 August, we have a €200 million portfolio that will return to being performing in the next 12 months. We have a further €160 million worth of loans to customers whom we believe fit into mortgage to rent solutions, on which we are working extensively. It is a slow process, but we have identified that cohort. There are others that we continue to work out. Some customers are part of bankruptcy arrangements and, therefore, have a natural life cycle. There are lots of cohorts.