not

fully aware of the various different conditions of the bottle, especially the wine's been stored in professional storage for a long time.

So we do a full condition report and inspection, physical inspection, so we know the condition of the bottles and the cases.

And the way we look at, as I mentioned, the key criteria we look at for evaluating wine is the current market price, secondary market demand activities, and The drinking windows, the duty status, because that has a lot to tie, especially in the UK infrastructure, ties directly to the provenance check for the wine.

And so we take all these factors in and then we generate our, we have algorithm calculating the percentage.

The loan to value ratio is how much we're willing to lend against this wine.

At the highest, which is your super blue chip with perfect conditions and still have long way to age and perfect provenance, we gave 70% to the market value.

know what you're saying.