Mr. Ian Black:

With banks charging negative interest rates on deposits, it is not attractive to have money on deposit. The second point, as I think I said earlier, is that we looked at that structure, which operated more like a term loan, and we have revised it for invoiced financing to allow repayments once a month, so that as the level of loans to SMEs reduces, the loan from the SBCI can reduce and, vice versa, as the level of drawing from SMEs increases, the loan from the SBCI can increase. The loan has been restructured.