Thank you for the question.
As Michael has explained, when we lend to entrepreneurs we assess their risk and we follow their activities and their progress toward their projects. We have conditions in our loans as well, but we are very patient with this so we'll not put a business in default just for ratios. We're going to step in before that and make sure we understand the problem and support the entrepreneurs in more difficult times.
When they are in true difficulties, when they become delinquent in their payments, then it becomes more serious and we put all our people to work to support and help the entrepreneurs get through. If not, we have to act as we have to act.