There are so many companies that still want traditional systems. There are a few companies that want e-enabled channels, and we know that in the future, there will be a lot more. So we have to roll out products using both e-enabled and traditional delivery methods. At the moment, we see plenty of companies wanting to use the internet for managing information only. The majority of companies don't want to transaction over the internet yet.
Countries are also different.
From China, for example, we have seen the greatest demand for management information, other than Hong Kong or Singapore. As a foreign bank, we can only deal with foreign companies at present. Many of these companies are investing a lot of money in China where is very little existing product infrastructure. Consequently many are keen to move straight to the internet for management information and transaction management. We are doing a project, a study on whether we should centralize all our processing in the region.