In the higher risk segments (such as coal and gas fired power generation) our customers are well advanced in the execution of their transition strategies, transforming their energy generation mix through re-engineering of their power plants and investments in more renewables and Santander is engaging with them and supporting them in their transition. For example, we have entered into several transactions with existing clients that have a residual amount of energy generation from coal and we have included contractual provisions to assure that there is a scheduled phase down towards lower emission generation, in line with the sponsors' strategy.