Ms Ellvena Graham:

I will take the last question. The loan figure we quoted is all new money, not rollovers. The €1.2 billion available is all new money and is not for the rollover or restructuring of existing debt. The first question was how much gets filtered out but I cannot give a percentage. We have made sure the relationship managers spend as much time as they can with customers to ensure we get the right level of information and to make sure the quality of application coming in is much better than it used to be. That is why we can say we have a 94% approval rate because the effort goes in to getting the detail, which makes the credit process much simpler.