Mr. Paul Stanley:

With regard to small and medium enterprises, SMEs, we will gauge what is coming from the Central Bank at the moment. Part of the challenge of coming in here on this date before year end is that we could have talked about that a little more fully later. Maybe we can pick up again after year end results. I am a little conflicted about having the detail of the discussion today. Based on what has happened with the parent and the focus, both internally and from the Central Bank, it is a sector which we are looking at with regard to what has happened in our book.