Mr. Patrick Davitt:

They are saying that they don't do any due diligence on each valuation so I presume on this particular case, they did not look at each valuation as such because maybe they weren't there. I am not sure what this means. You'd have to be behind the scenes to know what this means. Like, you know, I am commenting on the outside here but I am telling you that under normal circumstances, if I was doing valuations for a bank or you were doing valuations for a bank that you have to take it as correct, that the valuation papers that they have are correct, unless it's a thing that you do particular due diligence on every valuation, which would cost, I don't know, you are telling me how much this cost, I don't know what it costs but like, it's a different scenario because you're going to have to go and look and view every valuation and see what, whether the information is correct or not.