Mr. David Duffy:

It's a little difficult without specific knowledge of the cases, but I have seen circumstances where a loan-to-value starts out at, let's say, 50%, 60% in some environment that someone was lending to an individual and then the asset price declines and it goes to 75% or 80% but along the way, equity had been put in, but it would've been in the form of debt and suddenly it's 100%. It's not right, you have to be ... And that's where I go back to my principle, if you are not doing your loans on a cash flow lending basis, this LTV process can be very risky.