Ms Jane Howard:

We were asked earlier about whether we have a specific target. We do not have a specific target but the point I made is that it is clear from the regulators that there is an expectation that banks with non-performing loans in excess of 5% are regarded as having too high a percentage of non-performing loans. Therefore, there is a very clear expectation that we would move towards the European average, which is running below 5%. It is running at about 3.4%.