Ms Jane Howard:

Unfortunately, I did not fully hear what the Deputy said at the beginning, so if I do not fully answer the question, I ask her to let me know. The decision to leave non-performing customers until later in the process was very deliberate. We were working very hard with those customers through case clinics to see how we could get them onto a performing basis, and that was very successful. What we wanted to do was get them reperforming so that they would be in the sale, either to PTSB or to AIB, in line with the transactions we have agreed.