Mr. Frank Jansen:

I would add to that. In the beginning it was very difficult to give full clarity to colleagues on what was going to happen and when. They really felt the need to be informed and to get that information. Once things became a bit clearer for us and we started this personal engagement with customers, people then understood that the bank was leaving the market and that they would be leaving the organisation over time. People have been making remarkable efforts for customers, for the organisation and for each other. The engagement between people and the organisation and their colleagues is quite good.