Mr. Mark Fielding:

We have problems with them to a greater or lesser extent, but it is an issue around the country. It is an issue wherever a landlord has a banker behind him or her who has loaned him or her money. We are finding that landlords not caught by bankers are more than willing to negotiate. When a tenant goes to negotiate, he or she tends to find out that there are three in the bed - the tenant, the landlord and the banker - and I am afraid it is the banker who holds sway.