Mr. Eddie Cullen:

It is difficult to say. We voluntarily became part of the Credit Review Office several years ago. The level of cases going through has been around that number for the years. Eight was the number for 2017. We would like to think it is because we are generally giving customers clear answers when they seek credit from our SME channel. It is clear the Credit Review Office is available to customers both through the publicity it puts out and the written advice we give customers if there is a credit decline.