Mr. Brian Goggin:

Okay. The roll-up of interest in a land bank transaction was perfectly in accordance with policy. We would lend money to a residential property developer A. That site would not generate any cash flow until such time as sales began to flow through. So in assessing the transaction in the first instance and in agreeing to lend them money we would look at the aggregation of the likely outcome in terms of the amount of cash that the developer could expect to generate from selling the houses, and we would build into our loan-to-value limits an allowance for the roll-up of interest during the building period. So that was perfectly normal, perfectly within policy, and perfectly understandable in the context of a residential development transaction.