Mr. Richie Boucher:

It depends on the conditions and the particular sector. In general terms we would hope to improve our lending. I wish to mention one matter which might be relevant in that context. Underwriting is dealt with separately. People will have targets and they will recommend loans but the underwriting system is separate and this means a second pair of eyes is cast on transactions in order to ensure that policies are being adhered to, that criteria are being met and that an independent assessment is carried out.