The banks can customize it for their individual requirements and we will observe for the next twelve to eighteen months that how this is shaping up. If we are not satisfied with the progress and find any need to intervene, we would do so.
I already mentioned the increases in wages and unit labour costs for the whole economy. Developments in the open sector of the economy are obviously very significant as manufactured goods account for much of foreign trade. Hence its cost competitiveness is important for the whole economy. Manufacturing unit labour costs in Finland are currently at about the same level as in 1999.