So with that then, let me quickly say a couple of things about the quarter and it's nothing new. But I do want to emphasize 2 aspects, which I think of the second quarter that is, which I think are very important. Firstly, the issues off medium-term debt that increased the cost of funds during the quarter. We think of this as the same type of investment that we did in 2010. Remember when in 2010, we invested in the expansion of our network. We opened new offices and hired new people. So that expense has depressed the results of the quarter of the bank for a couple of quarters. But it turned out to be a fantastic investment. This is one of the reasons why the Commercial division has doubled its contribution the last year. And we're firmly convinced that the issuance of that medium-term debt will turn out to be equally beneficial to the bank over the medium term.And secondly, the provisions that we have to take this quarter. Those provisions came about, they are generic provisions, by the way, very importantly, they are generic provisions. And they are the result of a couple of, more than a couple of very good business opportunities that we didn't want to pass on. In both cases, we did -- let me just state clearly, we did not have to issue long-term debt. We did not have to do it. And the results for the second quarter would have been better. And certainly, we did not have -- we could have foregone on those very good transactions that we did and which brought about the need for additional provisions. We did not have to go through with them. And they would also have added to this quarter's results. That's not, as you know, the way we run the company. We run the company with a medium-term prospect in mind. And from the perspective of the future, both the issuance of medium-term debt and the pursuit of transactions such as the ones that we did this quarter that brought about the provisions about, will be extremely beneficial to the company.