Mr. Vasileios Madouros:

I do not know precisely so we might need to come back on that. My sense is that this has been a relatively long-standing trend. I was referring to the fact that I think there are some regulatory requirements for which there is substantial additional capacity for the credit union sector to lend should it need to. We are also entering a new environment that offers opportunities for the sector. That might be the reshaping of the domestically focused financial system, including with the exit of two of the retail banks. We are also in a changing interest rate environment, which potentially offers more practicable opportunities.