In the year under report, we primarily invested in the training of our staff, the expansion of our team, and the opening of our new business base in Vienna. In 2010, we shall place special emphasis on improving our international market position. For this purpose, we want to strengthen our advisor teams in Zurich and Vienna as well as in the United Arab Emirates. In addition, we are constantly reviewing possibilities for new business locations to extend our international network. From a long-term perspective, the financial resources required by the International Market Business Division will increase slightly.