Mr. Brian Hayes:

Many of these are very standard requirements. We have discussed this previously. If a person is not paying capital and interest, factually it is not a performing loan.

There must be confidence that if a loan goes back to a bank, people have the capacity to repay. We are not the rule makers; we are the rule takers. The rules on non-performing loans changed in 2016 in terms of guidance and in 2019 in terms of the calendar provisioning law, which was passed through this place and in other parts of the European Union. They make it very clear what we can and cannot take as non-performing loans. There was a situation-----