Mr. Patrick Davitt:

Okay, well we will take the bank situation first. So the bank situation is that the bank would have an agreed fee that they would pay the values, which to do a valuation for a house, for instance, could be somewhere in the region of €100 to probably €120 to €130 to maybe €150. So that the bank ... the valuer would know that every time they do an evaluation, they will get so much money for it. On bigger properties, there will be fees and scales for bigger properties with... so if you are taking it up to €1 million, maybe €1 million to €2 million, €2 million to €5 million, €5 million to €20 million and so on and so forth. There will be different rates that the banks would agree with it, and they would pay the valuer on that basis. If you are doing it for an ordinary individual, it depends again on what sort of valuation you are doing. If you are doing a short-term valuation or you are doing a long valuation, like a blue book valuation. If you did a blue book valuation, if you give me a figure and I'll tell you roughly what I would think you would be ... that you would be paid for it.