To answer the first part of your question, we customize repayments in every industry. I told you earlier that our loans are very specific to the needs of the company. If necessary, if you work in a business that goes through cycles, like construction for example, we will tailor your repayments to your receipts. The sector having the worst time of it, if the delinquency rate is to be believed, is tourism. It is having greater difficulties than the others. Yes, we customize our repayments. We recently offered several of our clients an extension on the principal, that is, we asked them to pay the interest, but we allowed them to delay their payments on the principal for six months. This clearly helped a number of sectors that were under more pressure. The good news—I do not come with just bad news—is that only 17% of our clients took advantage of our offer. That is to say that 83% of our clients chose to keep to their normal repayment schedule. In that sense, it is good news. As you can suppose, the 17% were companies in the most vulnerable sectors.
On April 2nd, 2008. See this statement in context.