Commercial finance is still very limited. Avaerage LTVs are now 50% on investment property with owner occupied being slightly more. Avdertised LTVs are no way near to what is being actually offered. This has made is harder to obtain exit routes for commercial bridges which in turn has kept our LTV at the same post Lehman level. There have been some positive signs in the auctions in particular the Allsop auction where prime lots have achieved sub 4% levels, but the majority of secondary and tertiary positions are still struggling.