Mr. Shane O'Sullivan:

I cannot categorically say we have that absolute right but I can say we do not operate on that basis. Our bank does not appoint a fixed asset receiver. It does appoint a rent receiver where it believes there is a tenanted property where the cash from the tenants is not being used to repay the mortgage. In that case we would appoint a rent receiver, which would be good for the tenants, the bank and, ultimately, the borrower. The tactic of calling in a loan within 30 days is not one with which we are familiar.