Mr. Richie Boucher:

I will give a bit more detail in response to the SME question. In terms of the figures, €1.487 billion is for forbearance for the SME sector; term extension is €679 million of that. Adjustment or non-enforcement of covenance is €116 million. The figure for reduced payment but meeting full interest is €278 million. The figure for reduced payment greater than full payment is €277 million. The figure for capitalisation of arrears is €36 million, and there are hybrid solutions of about €37 million.