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Yes. We have been negotiating the second banking directive for a very long time. Its passage is very welcome because it will improve greatly our chances of having a free market in financial services which we offer to other people but which they have not always offered to us. So it is a great plus for our people in financial services. Also, we hope that it will soon be followed by an investment services directive. It is, of course, greater prosperity, not only in manufacturing but in the services sector, that enables us to offer higher levels of social services and social protection.