Mr. Sean Mulryan:

-----and associates, when they became property developers and they were never property, they were only ... they were in different businesses and they were in the Civil Service, and they became property developers, and I knew them well and they used to come to me for advice, and they didn't ... I gave them advice but when they come back to me, "I changed my mind, I bought that site" and 100% finance available, okay. So, that was 2004 or 2005 and that was on a pretty large scale. Anybody could get money to buy a site and hope you got planning and sell it, or go building houses, or buy 20 apartments and hope it all worked out and get 100% finance. So that was the defining moment.