Mr. Brendan McDonagh:

We still have good assets too. We have to fair value our accounts every year via the Office of the Comptroller and Auditor General audit and Mazars acting as another external auditor. We have to justify to both those auditors that we are carrying our loans at fair value, which is, effectively, the value that we would get at a point in time. Markets are tough, interest rates are high, fewer people are lending money to buy property and the available property is not as desirable, so property prices could fall. There is no point in me saying otherwise. If property prices do fall, then we will get less than €500 million. I assure the Cathaoirleach, though, that we will eke out every last cent we can out of these assets.