 From my perspective, the three most important factors would be the extent of which consumers continue to be indebted, secondly, the level of consumer confidence and how the economy performs over the next six months. They may seem fairly obvious, but they're all interdependent and quite important factors. For example, if the economy were to improve, we'll expect better job creation and hence more people have disposable income to pay down a lot of their debt, and as a result of that they will impact on consumer confidence. So these are three key factors that are all interrelated and will impact how much growth the property sector sees in 2015.