Mr. Frank Daly:

Chairman, I can only speak from what we found in the documentation and in the engagement with the banks when we were taking across the loans and subsequent engagements, so I think what you're asking me to do is comment on actual behaviour of it between a banker and a debtor and really...I mean I don't have first-hand knowledge of that. What we're doing is giving you our impressions on the basis of the documentation and the loans that we came across but as to whether, in terms of one-to-one dealings with a particular debtor or a group of debtors, what type of behaviour the banks displayed, you're really asking me to comment on meetings between the banks and debtors and I-----