Mr. Paul Stanley:

I will address that question. As Ms Howard stated, we took a provision in the third quarter of last year for an estimated size of loan sale, but we are going through a process of engaging with all customers who will engage with us to define what the perimeter of the loan sale will be. It will principally comprise PDHs because most of our non-performing buy-to-lets are effectively gone at this stage. The key for us is working with our customers on trying to find out whether, due to the points that Ms Howard has mentioned, there are long-term sustainable solutions for them. If there are, they will not form part of the perimeter and we will have to adjust appropriately whatever provisions we have taken.