Mr. John Kennedy:

The banks are risk averse. Anything that is actually unsecured and until they exit out of it, it creates a problem for them. We are not bankers and we cannot get into their shoes. I do not believe it is the first thing they think about when they wake up in the morning when they are considering where they are going to lend money. There is a deeper question around how one can incentivise them to do that, or force them.