Mr. Brendan McDonagh:

Yes, but the reality was that the first key link into the banks related to the riskiest loans, namely, those relating to land and development. If debtors had other associated loans, these came with the land and development loans. This was because there was talk about taking the systemic risk of the debtor out of the system also. We have sold over €9 billion worth of assets. Many of the assets we sold were income producing because that was where the market demand lay. What we are doing in the meantime is investing development capital in order that the work on other assets can be finished. Once these assets are income producing, we can sell them. There is a constant need, as one sells, to replenish-----