Mr. Fergus Murphy:

I will try and give you the best answer I can there. Obviously it's hypothetical in that we can't read the future. But, given the structure of the recapitalisation of EBS and the requirements that were, as we've just gone through fairly specifically, that were specifically related or can be correlated very closely to commercial property in land and development, it would ... it would seem to me that there was a very reasonable chance of the organisation making it through, had they not been involved in all of that.