Ms Ellvena Graham:

We changed our business model last year to separate our business banking teams. We have people dedicated to managing existing portfolios, customers who have existing loans and other guys out on the road, North and South. They are business development managers out looking for new business. We are moving our business bankers back to the branches, where possible, so that they are closer to customers. We are doing many things to ensure we are close to where customers are, so that understand that there and so that we split new business and looking after existing customers.