I mean basically, think of it this way, if you come in to see me, and you are having trouble paying your bills and all that, and it’s been a very rough two years for you and so on, so you come in, and now do I not believe you when you start telling me your situation?

I tell you, I will believe you. I’m going to take you at face value. But, I am still going to have to verify your statement of affairs. Period. Now I can’t pull things out of the air. I can’t assume you had a GIC two years ago.

Remember though, if you read the statement of affairs, on Page 3 of the third section, section c, there are a number of questions there, and one of the question is: Within the last 12 months, have you disposed of any property? Now, they don’t mean real estate, they mean property as defined by the Bankruptcy and Insolvency Act, which is anything you’ve got.