Mr. Sean Mulryan:

-----with the banks and if anything, Anglo were very diligent. I could give an example of one particular loan which they ... it was difficult to get them to finance a major project in London and we agreed that to get it over the line, we would sell to 50% of the product at 20% deposits to underpin the project and we went through the usual due diligence.

We signed the approval, subject to selling 50% of the properties at 20% deposits but they sent a director - a senior director - of the company to ... to Hong Kong and spent three days in the sales centre standing over the sales ... standing over the sales, watching sales and what we were discounting to get our target of 50% sales. So very, very ... at that particular time, serious due diligence. And serious hands-on, in the early days.