CHAIRPERSON
Yes, we have given you that opportunity and we would like you to use that opportunity very sparingly.  Now I have already stated that we are aware of a pregnant submission by APLA which speaks to the existence of the repossession unit and the objectives which were deemed to be attainable by that unit and that is the only submission that I referred to.  The reason why you are here is to give us more information or to clarify issues insofar as the operations of that repossession unit is concerned.  Are you with me?