Well there ..there…there’s a positive obligation on the bank to ensure that the people who are signing a loan guarantee,[ understand] what they’re doing. Loan guarantees [rare] kind of rare in that…in that someone is giving security or a guarantee and placing themselves at risk for someone else, and they receive nothing [substantial] in return. So you’ve got to ask yourself why is this person doing this, do they know what they’re doing? They’re risking a lot, and not really getting anything back foe it. So the imperative is that the bank must [establish] that these people know what they’re doing, and that they fully understand the repercussions of what they’re doing, and they know that their [assets] may be sold if another person doesn’t meet their obligations.