Mr. Sean Mulryan:

Well, it's the only way the model works if ... and you put in your equity, it's not like investment property, whereas the income will pay the interest. There is no income until you start completing your products, completing your apartments into your income, and that's when the interest roll-up starts to ... you start to pay your interest, at the end of the project. And that's a model that's done worldwide in property development, and even today, across the world and in Asia, it's the exact same model.