Mr. Tony Grimes:

Yes, I mean, it's fairly technical but they were legal instruments and the banks ... we signed with the individual banks that allowed us to take good title to the types of collateral they would have offered. Often they would be ... it would be non-marketable instruments so you're ... so to take good title for those you required a particular legal structure and we had worked on that structure and, you know, they were extensively used over the following years.