Mr. Bernard Byrne:

The 41% appears in two places. The Mazars survey stated they had a decline in turnover of 41%. Let us consider our credit position. Some 41% of our SMEs are in the impaired category while 39% are in the satisfactory category and we do not expect them to impair. Then the category in the middle is the watching vulnerable category. While 41% have been worked through, we are carefully monitoring and minding this category because these businesses are weak at the moment.