Mr. Ian Black:

I think that was more about how in the good times one should withdraw and in the bad times one needs to do more. Given Covid and Brexit, it is more than justified. It has been great for the country to have the SBCI in place because we have been able to deliver on the Covid working capital schemes, the Covid credit guarantee schemes, etc. The fact the entity exists enabled us to deliver on those schemes. It is countercyclical. One does more when the economy is suffering and maybe less when there is not so much of a need to do so and the market is working well.