Mr. Shane O'Sullivan:

We have accounts that are between one and 90 days in arrears. Some of them may be non-performing loans but not all of them. Approximately 2,500 are in that category. We then have long-term treatments that are performing to the restructure, but they are still classified as non-performing loans. I will explain the final category. It is possible to have a loan that is performing from origination but which is connected with another loan that is not. Essentially, at a simple level, they are the three ways for a loan to become non-performing: a borrower can be in arrears; a borrower can be restructured and be performing to the restructured arrangement, but the loan is still a non-performing loan; or the loan is performing from the outset but it is connected to another loan.