I mean, if they cannot shift it to the markets, it's because the markets think its not worth what they paid for it. And it's a lot of risk and capital to tie up

I mean, if they cannot shift it to the markets, it's because the markets think its not worth what they paid for it. And it's a lot of risk and capital to tie up themselves. They may have to resell some of it at, say, 14% to get some of the risk off their books.