Mr. Jim Bradley:

We not only have an annual forecast, but we also forecast out to 2020 as part of our business practice. The UK and Ireland are where our core holdings and principal assets are based. In the UK we forecast stable but no real growth and in Ireland we forecast a slight downturn to 2013, then stability and then a slight uptick, but no hockey stick and nothing of a rapid increase in property prices, just a stable property market.