Quite true that they will shelve some branch openings( lower...

Quite true that they will shelve some branch openings( lower return on equity) get rid of some cut rate teaser loans etc. So you allow for the economy to grow at 5 % Screw the clients a bit more perhaps it’s not as bad as it first looks. If you want to do your head in you can analyse the 40 mill Kina extra tax on their “budgeted year end results” to determine their year end profit. It’s just the arbitrary nature of the change that I hate but still it’s the nature of the market we are investing in which is why we need a higher risk premium. I also feel for the frustration that the Company’s management is experiencing.