Mr. Cormac Ryan:

With regard to the loans in the portfolio, there are 6,272 borrower relationships, some 4,000 of which are cases where the mortgage is split and the warehoused element has no capital and interest. The other loans are part capital and interest where the mortgage holder is paying the interest but only paying off part of the capital. While they are structured differently the net result is the same. If the mortgage matures in 20 years for example, rather than the figure being zero at the end of the mortgage there is a sum due at the end. In each case that sum can be different.