Mr. Brendan McDonagh:

In terms of the debtors we have, one of the fascinating features has been that from 2004 to 2007 many of our clients had great bravado and would have given statements of affairs to the banks at that time. We got access to those records. We would have looked at their statements of affairs that apply now and done a comparison between what was in their statement of assets then and now and done a reconciliation to find out to where those assets went and asked for explanations about where those assets went. We are quite diligent about that.