Mr. Jim Baneham:

We did not have any influence on the banks' lending policies. At least one of them was not an Irish bank, so we had no influence over it. The banks' term sheets and the manner in which they set their terms to lend to AHBs was a matter for them. Additionally, and not to talk only about the banks, it was challenging for the AHBs to deal with properties. Returning to what the Deputy said about the two properties that were vacant for a long time, it would be exceptional for properties to be vacant for that long, in the context of properties to be dealt with. Properties were vacant for long periods, however, and they needed a fair bit of work. There was also a broad range of properties. In taking on a broad range of different properties in different locations with different conditions, AHBs found it a bit more challenging than they would have initially anticipated-----