Mr. Fergus Murphy:

Senator I think that ... that's a very good question and if I look at the organisation I came from I ... I would say ... as in, sorry, a Dutch organisation that I worked for, I would say 10% is a ... a good number. Now, that is a very, very general comment I am making because clearly it depends on the economy at a point in time, it depends on the cyclicality of the economy. But you have asked the question in the context of our economy which is an enterprise economy, a foreign direct investment economy. It is an export-led economy. In general I would say that the maximum growth for a bank's balance sheet should be 10% in that scenario but more likely it should probably match GDP.