Mr. David Duffy:

I think it will operate a traditional model of a retail bank, which is a balanced portfolio of lending in all sectors of the economy. I think it is also a requirement given our status in the economy so that will include consumer lending, it will include SMEs, and it will include corporates and some elements of property. So I think it will be all asset classes and-or borrowers of the economy will be served for the bank ... by the bank, and in that context, there should be, not excessive, but reasonably margins available.