Mr. Gary Owens:

Leaseplan has already seen a significant shift in cities. It would believe in a fully integrated model. I do not see any conflict at all. I am on the insurance side rather than the leasing side. If anything, Leaseplan has been a brilliant company for learning and educating me around what is going on. Its main business is based in Holland. It has been a wonderful company in terms of leading on technology. I have learned an awful lot. It is helpful to be part of that time.