Mr. Jim O'Keeffe:

The key point from our perspective, regarding which we probably differentiate in the market, is that when people do come forward, we consider the affordability and we do compromise. We have compromised significantly. Mr. Bourke spoke about this earlier, referring to where we moved from €29 billion at the start of cycle, when we had €17 billion in provisions, right to where we are today, with about €7.8 billion of NPLs and probably-----