Mr. Brendan McDonagh:

Yes. We incurred considerable legal fees since 2017 in dealing with the commission of investigation. That is ongoing. We had a lot of litigation over the years. A couple of years ago, we had almost 100 cases of litigation. Thankfully, today, we are down to 34, which is approximately one third of the number of cases we had a number of years ago. Litigation is a factor that we cannot control. If we feel people can pay, we will pursue them to get the money off them. About half of litigation costs involve litigation against NAMA, however.