Good morning, madam; good morning, gentlemen.
I would like to ask the GE Capital people some questions.
In your presentation, you mentioned that you raise funds mainly by issuing commercial paper guaranteed by banks.
Could you tell me again about the problems you have encountered recently? Are they due to the fact that banks were hesitant to guarantee the kind of commercial paper that, likely, you were presenting to them for approval? Is that the bank reaction; are they more careful now when they are asked to guarantee these loans?