Mr. Kieran Wallace:

No, I do not think that is a fair reflection of what I said. I said that cost and timing came into the decision-making process, but I do not want to go over old ground. I am speaking from the perspective of ensuring Mr. Richardson and I can stand behind our obligations as liquidators. Therefore, we have not allowed any individual borrower to be the only party bidding for their own loans. There is competitive tension in the less than 0.2% of all the loans of IBRC that we have allowed to be put out on their own as individual loan sales. We have not, in any particular party of IBRC, allowed an individual borrower to be the only party bidding for their loan.