Mr. John McDonnell:

Our banking partners and staff are banking experts, what I mean by that is we're experts in the auditing of banks, we're experts in accounting for banks. We are not property experts but we would have ensured that our staff got appropriate training in what they needed to understand in the context of the auditing standards and the accounting standards and what they would need to understand to audit impairment of financial instruments. It's audit impairment as opposed to credit risk.