Mr. Richard Burrows:

Well, if you look at the way in which the percentage of property lending declined, it declined from about ...or increased rather ... it increased from about 23% to 26% or 27%, I think, it wasn't disproportionate; it did increase as a percentage of our total loan book. But the conclusion that you would draw from that immediately is that the other parts of the loan book were also growing quite fast at that time.