Mr. Jeremy Masding:

No, the bottom-line profit was €3 million but I rounded it up to €5 million. The difference between it and the operating profit is accounted for by the exceptional charges we take, predominantly due to the loan sales. The operating profit was €94 million. In 2017, the profit before exceptional items and tax, which is my definition of operating profit in this particular case, was €65 million. Some €65 million compared with €94 million indicates an increase in profits of 45%. The profit before tax in 2017 was €52 million, but the exceptional items were far lower than was the case in 2018.