Mr. Frank Jansen:

The Deputy is absolutely right and, therefore, we have decided to stop charging any late payments from the end of November because that is when we start closing accounts. We have received some customer complaints on that and have rectified that, without any doubt. I appreciate the comment that we should have worked on that earlier; therefore we have changed that. Moreover, we are not charging any maintenance fees on accounts since June. That is a charge we cannot make customers incur.