Mr. Patrick Davitt:

Well, I would say that valuers have to value property on the basis of ... open market value I'm speaking about here. So if you're a bank and you instruct a valuer to value a property, you ask them to value it on open market value, so the valuer has to value it on that value and they have to use comparables to prove their valuation. So like ... if it helps the other side of the business, well then fine. But, also like we are taking a scenario here where valuations only go up like. Valuations go down as well. So we are looking at if the valuation, if he values it down the valuer, well then one people aren't happy and if he values it up other people aren't happy. So all they can do is use their professional judgment and if their professional judgment are incorrect ... like what ... there is a step, a fall-back part there and the fall-back part there is the professional indemnity insurance that they hold.