Mr. Michael O'Flynn:

It's a good question, Chairman. It's a question I'm hearing more recently. We are builders and developers, in that I think to describe ourselves only as developers isn't doing justice to the amount of other skills that we have in terms of project management, construction and development management. And I think the origin of the business was building and developing. In the '80s, there was one profit. That was a combination of construction, project management and developer. Unfortunately in the years leading up to the crisis, everybody became a developer and all the other skills were hired in. I think we're going back to the model where unless you have the in-house structure and ability, I don't think the banks will want to know any more, and I don't think if the banks will be interested, you won't be able to borrow money.