Ms Dara Deering:

There is not one reason. There are multiples reasons. From the time a loan is approved, such as for a €5 million facility, for example, there is a due diligence process that has to go through from both sides. That is for both the customer that is borrowing the money and us as a lender. That is the same for any financial institution. It is not specific to the HBFI. We would then be ready to draw down the funds but the housebuilder would be getting construction ready in parallel. Sometimes they could be on another site so there is not one reason. What we try to do is look at-----