Mr. Richard Burrows:

Undoubtedly. As I said in my opening statement, one of the big factors was the drying up of wholesale markets in light of the collapse of Lehman Brothers, but there were many other financial institutions which came down in that period. And that led to a closing of the wholesale markets which meant that that liquidity which had been available, was no longer available. And that was what happened to us and I guess by extension it happened to quite a lot of others too.