Mr. Ian Black:

I was trying to suggest that our mandate is not to maximise profit. We could do that by charging more and not giving the benefit. All of the benefit we derive on our products is passed on to the SMEs. It is really about cost recovery. To the extent that we made a small loss, perhaps we should have charged more to the relevant lending departments or the cost we would charge to the guarantee should be somewhat higher. One has to look at it over the longer term. I think one year would not probably be fair.