What you are saying is that if a person has a $100,000 boat, the boat has been seized, the collateral was a $50,000 cottage, and apparently, over a ten year period when the boat was not yet paid for, the soil has not been favourable or has rotted the foundations, the bank cannot turn around and say your cottage is no longer a $50,000 cottage, it is only a $10,000 cottage, because we have neglected to inspect the soil and it is rotted. Is that what subsection 65 will tell me?