 GwCHON I'm distinctive is that this has been a pretty challenging time for the financial services sector. We have seen sentiment hit by falling optimism, and that expectation is going to continue. We have seen business volumes falling. We have also seen a drop-off on employment driven by the banking sector. The good news in all of this is that is expected to be a blip, so most of the survey respondents are looking more positively at the next quarter than they have at the three months just gone by. We have seen a really interesting picture emerging on investment. It is interesting that the real driver for any investment that is taking place is one that is coming out of regulation. So that is the dominant thing at the moment for all businesses, as banks and insurers adapt and invest in their new systems and capabilities, to be ready for a new regulatory environment driven by changes on capital requirements.