Mr. Jim O'Keeffe:

As I said, even when we were talking about the family homes, the focus is on segmenting the portfolio as we go forward. Clearly, our preference is to work with SMEs, including farmers, and family home owners to sustain the businesses and protect the family home. Therefore, one is more likely to see us operate in some of the investment asset classes as we move through the portfolio in the earlier stages. We have to prioritise but obviously the work we are doing, bearing in mind what we are doing with the investment loans, is creating an opportunity for us to work with families and SMEs.