Mr. Derek Moran:

There is in some of the documents, I can't remember where exactly it is, that the real concern ultimately became that if you pull these quickly that you will precipitate problems in the property sector and I think that probably informed the decision as much as anything else. In other words, it became a self-fulfilling process. You pull these very quickly and you have got your very sharp downturn in the economy and I think that informed it as much as anything else.