I would like to touch on one final aspect with Mr. Wrobel. One small part of your presentation was of particular interest to me, that is when you spoke about access to credit and the cost of credit. You said that traditionally, the banks represent about half of the business credit market and only about a quarter of the total financing market.
I understand that the others are financing companies, but is this changing? Why do you not traditionally have a greater share than you have, because you are very close to maritime communities, in principle?