Mr. Joe O'Reilly:

Well, it was a time of uncertainty and I suppose the reality was that we had ... you know, fortunately, we had ... a majority or a substantial part of our portfolio was income producing. So ... and while there was certainly a lot of strains in the market, we continued to asset manage that portfolio and we continued to ... you know, I suppose that our focus changed from doing anything in terms of continuing on with the development to consolidating. And that consolidating, as I say, in relation to our commercial side, we just continued to asset manage and drive the business from that point of view. And we were very successful. In relation to our residential, we set in track a process of trying to finish off everything we could, bearing in mind that money was tight then, and we wanted to ensure that our developments were left in a state that-----