Mr. Des Carville:

Again, this is about cleaning up the banks' balance sheets in 2009. There were certainly borrowers who never missed a payment. Every case is slightly different and slightly unique. As a general proposition, however, what I will say to the Deputy is that in those kinds of cases, when it came to repayments of the loan eventually, like a bullet repayment, there was a massive gap, and the borrower never had the chance of repaying that loan, so it effectively would become a non-performing loan at some point.