Mr. Angel Mas:

For example, in Spain Genworth has paid in excess of €300 million in claims so far, so it depends on the situation of the country. Part of the reduction in the uptake, as Mr. Crone mentioned, has to do with the quality of originations. Our own books in this country, like-to-like, probably had a 30% better experience when protected than when not protected because of the discipline we imposed on those originations. However, in bad times, good books suffer.