Mr. Maurice Crowley:

I suppose in short we would not have any difficulty with what is being suggested. If an agreement is in place with a borrower when the portfolio is sold to another purchaser, whoever that might be, our belief is that it should remain intact. Presumably that applies when a bank holds a portfolio, and excepting if the circumstances of a borrower change the contract or agreement between a borrower and existing lender or new lender should remain in place as far as we are concerned.