Mr. Brendan McDonagh:

Absolutely, it is crucially important. The taxpayer is on the hook because the Government guaranteed the NAMA bonds. That started out at just over €30 billion and by the end of this year will be down to €22.7 billion. Until that liability is repaid, there will be no distribution to the taxpayer. Our plan, as we stated, is to reduce the €22.7 billion to zero by 2020. That is the plan the board is working towards. If we had-----