Mr. Nick Ashmore:

We carry out extensive ex-postmonitoring. We have first built and provided a system to our finance providers where they have to account for every single loan or facility they provide, be it a leasing facility or an invoice discounting facility. We get granular information business by business, loan by loan, facility by facility, which we then check to make sure that they are eligible and that they have passed on the financial advantage, that is, the discount we have generated. We check on that. We then also have the ability to go back and audit that information. We send in an auditor to conduct a review of the situation and to report back to us as to whether they have complied with those matters.