Mr. David Duffy:

Yes. The second point is important. If one wants to have a restructured population of this size functioning properly in the economy, the policy of the bank must be, and is stated as such, that it will provide future credit to those individuals so that they are not in restructured prison. To allow them function properly in the economy, the bank will have to be able to provide that capacity in terms of additional credit. We will do that. This will always be on the logic of affordability and other things. Where a person returns to employment or wishes to do something from an investment perspective, the bank will provide that credit.