Mr. Jeremy Masding:

I think it is important to say that, as far as I am aware – the other banks may have caught up now – ours was the only institution that did that, insofar as we broke the value chain down into different components. I know from experience in other jurisdictions the customer care team is a very important part of this because while one needs a letter for an audit trail that must be complemented by a human interaction and that is why we have built the team.