Classify the given a piece of financial news into three classes: positive, negative, and neutral. Output must be 'positive', 'negative', or 'neutral'.
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Question: Sampo Bank 's market share of lending was 13.6 % , down from 14.4 % in the first quarter of 2008 .

Answer: negative

Question: The first ship has been delayed and is estimated to be completed in spring 2010 .

Answer: negative

Question: The estimated synergy benefits are at least EUR7m annually .

Answer:
positive