Mr. Barry O'Leary:

They can also do that but, truthfully, most of the loans that are done in the market at present are done with us. Our rates are so low that going to a bank does not make any commercial sense. They will approach us and they will get the entire element of their funding requirement, which is usually approximately 80% of the total purchase price of the scheme. They will get it all from us; it is just that we will have packaged it up in the background.