Mr. John Mulcahy:

Litigious. I will not go on too long, but normally when NAMA engages with a debtor, for example, somebody in the South, we would agree a business plan that would involve them disposing of property over time as we worked it out to try to generate the largest amount of cash. Part of that process - I do not want it to sound as a healing process - was that the borrower would accept that we had a problem and that we needed to deal with it. In the case of many of the Northern debtors, they were less inclined to be acquiescent in that regard.