I probably wouldn't say we take fewer risks. I would say we are more prudent in the way we approach things. Of course, we will take some risks as we are a financial institution also, but we are members and service-oriented to the members. That's our first purpose. So profit comes, but it comes later. Some financial institutions probably go first to the shareholders; for us, it's service for the members, and, of course, profit is somewhere in the equation.
On July 25th, 2012. See this statement in context.