Mr. John Moran:

Not necessarily. We provide two services when it comes to investment property: we sell investments and we also provide buy-side advice. Therefore, when somebody comes in to us and wants to buy an investment, he will either be fully backed by equity or will say to us he will use debt as part of the transaction. At that moment in time, we will turn around to them and say that if they are going to use debt, we do not provide a debt advisory service or provide any corporate finance advice and that they need to talk to a bank.