Mr. Richard Burrows:

Well, I think if you go back to one of the figures that you quoted there, the ... the growth in the total loan book of property from 23% to 25%, yes it is growth. Is it disproportionate? I don't believe so, given the circumstances that pertained at the time. But, yes, it ... it is rapid growth. I, I fully acknowledge that the figures that you have read out illustrate that this business was growing very fast.