Mr. Mark Fielding:

I would agree with the Chairman that many small businesses are doing their best to reduce their debt. From the point of view of seeking credit from the banks our figures show that demand has remained steady at 36%, 37% and 38% per quarter. That would be a norm during what we would regard as the better times. We have been doing quarterly surveys since 1993. In the better times there was a similar demand for credit in the region of 37% and 38%. That has not changed. I agree with Mr. Trethowan that probably a year ago the demand dropped for a five or six month period to about 25% but currently it is in the 35% bracket.