Mr. Jim O'Keeffe:

There are many criteria and items around this, but I will refer to the two solutions. When the customers loans transferred to the purchaser, those contracts were honoured. The customer was on a low fixed rate for three or six years and it remained as the rate for the customer for that period of time. It was similar to the positive equity sustainable solution, where the customer may have been paying interest-only or interest-only in part capital. Those customers, because they engaged and we were able to put them into a new contract and restructure them, when they were sold to the new purchaser, they were protected by the very virtue of that.