Mr. Patrick Davitt:

Well, pre the crisis the valuation standards were a certified valuer by IPAV, and a certified ... to be a certified valuer from IPAV you would have to have a minimum of ten years' experience to be a member of IPAV. You would have to have completed some of our IPAV courses, our educational courses. And since we brought in the blue book, which ... the TEGoVA blue book, for the REV status, you would have to have ten years' experience, and you have to have completed the minimum educational standards of TEGoVA. So, I suppose, since 2013 the standard is obviously moved on, I'd say, and it's moved on because we now have an outside body that certifies the valuers, so it's very good from a European point of view and from an Irish point of view.