Mr. Shane O'Sullivan:

I think what has been said largely explains it. We took possession of approximately 1,500 properties, which were, in the main, buy-to-let properties. The Deputy will recall that we wrote off the shortfall debt. This was, in effect, a win-win for indebted borrowers who did not have a route out of their indebtedness and non-performing loans, NPLs. It was an opportunity for the banks too. We are actively reducing that stock.