Mr. Tom Parlon:

Well, I think, house building was an exception and it's still .... we've introduced a new arrangement lately, but certainly we wouldn't have been aware of the scale of some of our members in terms of their turnover, now that it's become apparent. For normal construction firms, they send in their turnover figures from their accountants and that's the basis ... but the housing section would have been different. There would have been more of a flat rate applied to them.