So yes, people have to be prepared. And, inevitably, government borrowing rates will also increase, and so governments will also have to be prepared. You say that people will inevitably have to be prepared. Does that include our personal loans, our mortgages, for example?
We want to ensure a smooth transition to the re-structured organisation. I am very encouraged by the progress made in the short time that we have been working together. 6. Financial results  It was a good year for our financial results with profits of € million. This was despite the exceptionally high costs we faced with the euro changeover.