Mr. John Trethowan:

Before the Deputy arrived I made the point that there was a 41% demand for credit by SMEs. We have received a reasonable, small but steady stream of appeals and we are dealing with them. If demand increased to 66% from the SMEs then a lot of appeals would come from what I would call challenged businesses and we would be at capacity level working to make sure those businesses were properly serviced and that the banks stepped up to the mark. I hope there will be increased demand before too long. An upturn in the economy would lead to an increased demand for credit by SMEs. We would be in the right position for that.