Thank you.
Coming back to the comments I made about business cycles, is there any preparatory work done? For instance, if we know that we're into an expansionary cycle, and it appears that we will be for a number of years.... We look at the past most of the time here. But do we plan forward to say that at a certain point interest rates are going to go up, people are potentially going to get themselves into trouble, and the consequences of that, based on data, show that we'll have an increasing demand for people, for instance, in the call centres or as field workers, and so on?
Thanks.