Mr. Pat Kilbane:

Earlier I described our fixed core cost. I mentioned a figure of €700,000, which relates to the core staff numbers. Beyond that, our model is that we would use external credit assessors to help us on a case-by-case basis, as much for geographic dispersion around the country and being close to the credit as for sectoral specialisms because there may be sectors where there are persons who are much better qualified on a particular case.