Mr. David Duffy:

Absolutely. The perspective we have on that is that at a high level we have a portfolio management approach, which is that all of those assets are correlated. And in a small country in an open economy with the connections between those different assets and the borrowers, you have to be extremely sensitive to that fact. So I fully agree, Chairman, that is a high correlation risk that you must be very attentive to. Why we do the segmentation is to make sure we limit each of them and to make sure that we understand that you don't want to have too much development land or too much mortgage or too much retail, you want to have a balance between them, with income coming from them rather than asset valuation protection. But we absolutely accept that correlation risk has to be very conservatively managed.