Mr. Michael O'Flynn:

Yes, there's a simple explanation for that in that the bulk of the borrowing with Anglo was out of London. We had a long-established relationship with the London branch of Anglo, and the two businesses that we had in the UK and Europe were Victoria Hall, which is a student accommodation business, and Tiger Developments, which is mainly an investment property and business, would have traditionally banked with Anglo from the outset and we continued to be loyal to them in that regard.