Mr. John Trethowan:

To return to my opening statement on the macro-economic side, while we have had a low number of applications and we have helped the businesses that have come before us to the best of our ability, the two pillar banks do not know when they are making a loan to any SME today which of the clients will come to us. They have raised their games from the time I started because we were calling in things to the banks that we felt they should do better. They know we look at various aspects of their behaviour as well as the credit decision. They do not know which of the borrowers to whom they lend will come to us.