Mr. Brendan McDonagh:

I thought I was clear in my opening statement and I am sorry if I was not. As regards our existing loan book, we start off at €30 billion and will be down €22.7 billion this year. We are quite confident that we will be down to zero by 2020. As regards the IBRC loan book, we do not know what is under the bonnet other than the high level of information, as I have told the Deputy. We will approach it in the same way as we approached our existing book, by getting under the bonnet as quickly as we can and then working out a timeline when we think that can be resolved.