Mr. Jim O'Keeffe:

The key impact is in regard to the capital that we have to retain in relation to those loans. The Deputy's question is in regard to the cashflow coming off those loans into the banks, which, obviously, varies across the loans. We have not shared that information previously. It is important to understand that in respect of those in the legal system and those who are non-performing, the bank is carrying higher levels of capital in terms of what it has to hold and higher levels of provisions. This is the key impact that is flowing out to the wider books in terms of less than 5% of customers having an impact on more than 95% of customers.