I think the economy is in the doldrums right now. I have been following the financial results of listed companies, and almost all are recording a decline in profits, a typical recession. I don't know how guys in the private sector are performing, maybe some of you businesspeople can give your views. I think the rates cap low signed by HE last year might have caused this as experts predicted. How easy/hard is it to access credit? How are private businesses performing? Are people buying assets such as land, and commercial vehicles as much as they used to before the caps? What about apartments? If this law is not amended, banks will face a few bad years before evolving.