I will be very brief, then, thank you, Mr. Chairman.
We're going to have to call Ms. Dickson “Rosy”, I guess, for her forecasts.
We were talking about different things, not just the banks, but the whole market, and the market for medium- and long-term bonds and things like that. That's really the basic difference.
On your second question, it would take me at least 15 or 20 minutes to go through this, but let me put it this way. When the central bank's interest rate is zero and you have a deflationary environment, if you have a tax cut, particularly one of those tax cuts that affect the costs of businesses, then the consumer will see that the businesses will be lowering their prices and the consumer will say, “Look, prices are going to fall”. If they do, they will postpone spending.