Mr. Jeremy Masding:

Can I finish? The first reason is that it offers a better outcome for the customers because they keep their treatments. The second is that it is the best use of taxpayers' capital. The third is that, from our perspective, it enable the NPL ratio to come down from 16% to less than 10% instantly. When we put all of those reasons in the pot, it feels like a solution that works for all stakeholders.