The economy will very likely have negative growth in 1998. A sizable and early fiscal package can have a reasonably good chance of stimulating the economy. While there are uncertainties, it could start to recover in 1999. The government has taken measures to alleviate the damage . . .
Banks have to undergo monthly stress tests.
Mergers have been encouraged. One concern is the overreaction of banks to the plan to curb the growth of loans. Banks will have to overcome their fears and have more confidence. We are seeing a recession, a trimming of growth, and we are likely to see a few quarters of negative growth. But we are strategically placed, we are resilient.