Mr. Bernard Byrne:

We acknowledge that money is not a remedy for all of the issues but is the solution we are looking at in the confines we have. In looking at and deriving compensation for this particular grouping, we look at the future value of the tracker which they lost, so there is a compensation payment for that. There is a compensation payment for the loss of value on the property that would have arisen had they managed to hold the property during that period. There is a write-down of any residual debt associated with it, compensation for time value of money and general compensation on top of that. It is based on people being in a property of a similar position to the compensation value that is derived and then clearing out any other obligations. I am not saying that is the right answer but it is the one that we think is trying to be reasonable or address effectively the position of that customer and the loss of value of that property.