Mr. Tom Considine:

Yes. Well, I think I said that, you know, ideally these should have been ended a lot earlier, you know, than they were, but the reason for it was there was a nervousness about the whole property and housing ... particularly housing and I, I think the reason why there was such a thorough exercise conducted in 2005 was to make sure that we didn't do any great damage by ending them. They could have ended. They could have ended-----