Mr. Patrick Farrell:

We are pretty new in this market. Our main sectors are agriculture, retail, wholesale, transport and manufacturing as opposed to building and construction. We would have some construction on our books and are looking for businesses to support, particularly small builders and small construction businesses, but that is a very small part of our business because we are relatively new to the market. The key sectors we support are in agriculture, retail, wholesale, transport and manufacturing. We have been actively involved in those areas so far and construction has been a minor part of that heretofore.