Further to our last discussion, we would need to work extra hard to lower the bad debt provision by all means. We did say that the MDs need to be on top of it and I assume that you guys are doing it already. We also said that Regional Office could further push together with the affiliates. I will check with Terence and find out the top 10 bad debt cases in the region and I will come to you. Only 1.5 months left for the year, bad debt recovery is a lower hanging fruit. Please work harder.