Ms Sharon Donnery:

It is across Ireland, but it is predominantly in Dublin and office blocks and so it is to understand that a little better. As the Governor said, one of the key reasons we want to look at this in a bit more detail is it has been growing and it has become a more significant holder of commercial real estate. It means that foreign investment in commercial real estate is a good thing compared with times in the past when the banks obviously were very heavily exposed to commercial real estate. It does also mean that Ireland is more exposed to these kinds of cyclical events globally, if there were risks emerging around the world.