 So I have now the pleasure to announce the winner of the prize for the best poster in the Young Economy session. I hope you had time to take a look at the posters and I wish to thank those of you who helped the selection committee to rate them by casting an electronic vote. I mean, before I come to the suspense and give the name, let me say, however, all papers included insightful research analysis and reached interesting conclusions. Selecting the best among these eight posters was certainly a difficult task. So let me thank the five members of the selection committee. Three senior ECB staff members, Philip Hartman, the chairman, Ines Cabral and Orestes Tristani, two external academics, John Mulbauer, professor of economics at Nuffield College and Javier Suarez, professor of finance at San Fee, Madrid. Posters have been rated along two dimensions, academic quality and policy relevance. The winning paper integrates a dynamic contracting framework in a general equilibrium model to study bank lending relationships. It shows that a severe deterioration of bank funding costs as observed in financial crisis leads to the severance of existing lending relationships and only a slow process of creation of new relationships. The model gives important insights as to why recoveries after financial crisis can be very slow due to the difficulty for the new SMEs to receive external financing. Please join me in congratulating the recipient of the 10,000 euros prize for the best poster at the second ECB forum in Sintra with the paper, Bank Lending and Relationship Capital. Yasser Boulam from the University of Pennsylvania. Okay, I go down and take a picture here, please. So, coming to the end, before I formally conclude the second ECB forum, let me take the opportunity to thank all of you for your contribution towards making what I think, I'm biased of course, but I think it was a success. I hope you share my view that the valuable and challenging analysis have stimulated lively and inspiring debates that will provide additional food for our thoughts over the next weeks and months, both in terms of research and monetary policy argumentation. Pretty sure of the second. And finally, let me thank the organizing team at ECB. Let me thank the Bank of Portugal for the splendid support and event management here in Portugal. It was a hard work. It was excellently done. And as it was a good omen, I would conclude like last year with the hope that you will take some saudade with you back home. That is to say, the happiness for having joined an excellent conference, but just enough sadness to bring you back next year for another equally interesting and inspiring conference. Thank you.