Mr. Tom Parlon:

-----that are obviously a lot more stricter and so on, particularly with regard to inspections. Unfortunately, at that time, as in banking and other areas, there was a high level of self-certification and professionals signed off on buildings ... that may have been, you know, employed by the builder and, perhaps, you know, they weren't as strict as they should have been. The new regulations now require that you've got to have an assigned certifier. The assigned certifier has to be an architect, a chartered engineer or a chartered surveyor and he has to sign off on the different elements, and he is obliged to be responsible for, and have insurance to cover, any sort of ... if he signs off on something that doesn't prove to be the case, be it the quality of the foundations, be it the insulation, be it the fire safety regulations or whatever. So I believe we have a very rigorous regulation in place now, and the CIF have supported the Department of the Environment all the way through in terms of bringing those regulations forward.