Mr. Michael O'Flynn:

Well, I would have to say that we had an approach to lending in that we had our own process to go through before we approached a bank. There is no doubt that there was competition by the banks for such lending. We had our own internal approach where we went through a process of appraisal and did all the advance work before we would even discuss a project with a bank or with banks. I think the competition was strong, of that there is no doubt.