Mr. Wim Verbraeken:

Fortunately, this is a small minority of the total spectrum of what we see. It is a small subset of the entire cohort of distressed debt we have dealt with. Mr. Mahon and his team have restructured loans in the large majority of cases. In cases where there was no sustainable option available, we negotiated a solution with customers who engaged with us which allowed them to move on with their lives. The residual mortgage balance was dealt with in a negotiated way in these cases.