Mr. Padraic Kissane:

I will add that the stress levels here are becoming more acute, but some of the increases that are occurring are almost being blamed on what is happening with the European Central Bank. It is not quite accurate to do that. A lot of this was occurring before the increase in interest rates but they now have an excuse for it. That is what is challenging. If I base it on the real return of interest, given what the vulture paid for the loan, we are well into double figures here.