Mr. Kieran Bristow:

There is one proviso. That would be correct for those in the direct portfolio. Our only concern about the indirect portfolio is that we could not sell out of those particular ones but out of everything. It would be a disproportionate cost for removing one’s exposure to a relatively small amount. However, that would only be if it were done quicker than five years.

Since we have already built in the sale and the realisation of these over five years, we do not regard that there is any increased cost because that will happen anyway. It was only if we had to realise it quicker.