Mr. Gabriel Makhlouf:

I cannot add much to what I said earlier. It is important that probably the most significant financial transaction an individual makes is done with care, that the lender makes sure it understands and makes an assessment of the creditworthiness of the borrower and that the borrower understands the commitments he or she is entering into. Those important factors need to continue and will continue. Ultimately, the recovery, survival and success of SMEs and the growth in job prospects are the main ways to help those individuals who are looking at, and obviously addressing, the housing supply challenge which we talked about earlier. That is the best way to support individuals to purchase a house.