Mr. Patrick Davitt:

I'd say that the conflicts of interest that were ... that were there, the valuation, like being instructed by a person who was buying a property to do a valuation is something that the institutes wouldn't like and still don't like, but it still happens in some cases. So, like, there obviously is, and which can be seen to be a conflict of interest there right from the start, but institutes would and we have a code of conduct, so we would expect members to act to that code of conduct.