Mr. Patrick Davitt:

I'm saying that the valuers in IPAV, because they had to have experience to become valuers in IPAV, and they had to have a CV qualification certified by IPAV, would have had the experience to do valuations in their own field of valuation and there's no doubt about that. Now their own field of valuation is where we'd expect them to stay in, their own competency. We wouldn't expect valuers ... if they were valuing a house today, valuing a house for €100,000, to value a shopping centre tomorrow for €10 million or €15 million or something, we wouldn't expect a valuer to do that. And we wouldn't like to see a valuer doing that.