Thank you, Mr. Chairman. No, the debtor or the borrower would not have a say in assessing the value of the goods. However, the debtor is given notice of the sale before it happens and, in most circumstances, is given the chance to redeem the goods. In other words, in some circumstances, he is allowed to make any back payments and reinstate the security agreement to get it going again. Then he gets possession of the collateral back or he can pay out the whole price himself and get the collateral back. I hope that assists. Thank you, Mr. Chairman.