Mr. Michael O'Flynn:

Well look, I can only be responsible for my own business, and I'm not saying that property lending hasn't contributed to the ... to the crash. Certainly as far as I'm concerned, developers like us who have always done our business for all the years, 30-plus years, didn't cause the crash that you refer to.

So, I can't speak for the world but I can tell you ... is that we alone, in how we did our business, wouldn't have caused any crash. Some of the property lending - and the scale, and the lack of regulation and some of the people it was lent to - perhaps contributed to the crash. But I'm not ... I don't think it's fair for, with due respect, for people to put the tag on us as the people ... or to describe us as Siamese twins with banks. I mean, banks can speak for themselves but I speak for my developer situation.