Mr. Barry Kelly:

The important thing to differentiate there is between a low-cost loan. If one thinks about paying one's mortgage at 2% or 3%, they are secured loans. It is very important to differentiate between an unsecured shareholder loan and a secured bank loan. If a person goes to the bank and gives security and he or she does not pay it back, the bank will enforce that security to get its money. Here, we have shareholders who invested their money where there is no security.