Mr. Michael Fingleton:

The risks ... the risk was diminished in that you're talking about land development and a lot of our lending was in that area and the risk to that was that we wouldn't get the planning or that our customers wouldn't get the planning, because that was the criteria.

Our customers ... the loans were based on the premises ... on the premise that the borrower would get the planning. Once the planning was received, our risk would be transferred to another lender for the construction phase and we would get our money back. And we would get our money back in all our books between ... I think the timeframe was between six months and three years of when the planning accrued. That was the purpose of it. So the lower ... the shorter the period, Deputy, the lower the risk and that's how we dealt with our lending in that-----