Mr. Joe O'Reilly:

I suppose the first thing ... the first part of it that ... the answer to that question is that that all ... you know, I did have some personal borrowings, I did have corporate borrowings. So, in relation to some of the corporate borrowings, I did have some PGs. Those PGs so ... so, just in terms of the hierarchy of ... the first thing ... the first element of lending and the first element of security is the asset itself and then you go from the asset then to the ... you go from the asset then to ... you know, for instance, in terms of an investment property, the bank would secure the rent roll, they would secure all bank accounts and then, after that, there'd be an element ... or a PG would then ... would then follow.