Mr. Jim O'Keeffe:

One would have to examine the individual cases. What we do is try to maintain the sustainable business. Where the assets are associated with that sustainable business, then we take that into account. Very often we see that it is not those assets that have caused the problem but assets that were peripheral, such as investment properties, that may have come on board. What we do is agree a consensual arrangement with the borrower to sell those down with us.