Dr. Colin Hunt:

It is not a matter of disposing of that amount but we would have to reduce the NPEs by that amount. There are multiple ways to do that and Mr. O'Keeffe went through some of them. We have a clear hierarchy of preference at the top of which is to restructure the loan in an agreed way with the customer because we want to have a continuing relationship with our customers and a growing balance sheet because that is the best way in which we can deliver on our purpose as an institution and support the economy.