Dr. Dan McLaughlin:

Yes. In terms of commercial property, you could have a property that is ... that has tenants in it, like an office block, which is paying interest to the owner of the property. You could have somebody going to build some commercial property, or also you could have simply land, which has nothing on it at the moment, that somebody buys with the intention of either it has planning permission to build houses on it or offices on it, or it may not have planning permission and they hope to get planning permission. So commercial property-----