Er, my Lord er I  my observations on that issue at this point be  that erm  it seems to be the defence case that for the purposes of er the defendants avoiding a duty to advise the plaintiffs as to the need for clear financial offers  their terms from the bank, Mr  was an experienced man of business and er had considerable financial acumen for the purposes of considering er whether under the banks original proposal for finance he would have been successful, they would be trading as a financial disaster.