JP Morgan Chase

[Dennis]

Usually, at least here in Ohio, the appraiser is required to advise the lender what percentage of rentals vs. owner occupied there are in a particular condo development. What I think happened here is as you said, customers banker probably said no problem, we can take care of your mortgage needs only to find out that he couldn't deliver on his promise. He should have stayed with a local lender and you would probably be getting ready to close.