Our loss rate is obviously much higher. Unfortunately, of the 28,000 clients we have, some of them do not make it.
Just to reassure you that we are listening, I have a statistic here. Last year we offered 4,500 capital postponements to entrepreneurs who were struggling because of the economic situation. We provided them with the ability to pay the interest and postpone the repayment of capital in an effort to help them through a tough time.
If any client feels that the decision is improper, we have two systems. One is that he can ask that this be reviewed by someone more senior. If a person feels, for whatever reason, that he has been treated unfairly—and thank God not many people believe that—we do have an ombudsman, to make sure that there is absolute impartiality.