Classify the given a piece of financial news into three classes: positive, negative, and neutral. Output must be 'positive', 'negative', or 'neutral'.

Q: Lemminkainen Oyj said that it has signed credit agreements with Nordea Bank STO : NDA , Pohjola Bank HEL : POH1S , Sampo Bank HEL : SAMAS and Svenska Handelsbanken STO : SHB A .

A: neutral
****
Q: The issuer is solely responsible for the content of this announcement .

A: neutral
****
Q: In the building and home improvement trade , sales decreased by 22.5 % to EUR 201.4 mn .

A:
negative
****