Mr. David Duffy:

I want to make a point here in regard to what we discussed earlier. A protocol has been established between the banks. Therefore, intrabank we do not have an issue in regard to unsecured debt. It can be credit card debt, leases, credit union debt or with other third parties. As such a large part of the total debt, two thirds of it, is intrabank debt, we resolved that issue a year ago and the protocol has been working satisfactorily.