I think we can safely say that the higher the adoption rates and volumes, the more we can afford a lower reserve. However I wouldn’t take timeframes of a day or even weeks. It should be at least months of unidirectional trending before you can draw some conclusions. I think it is also hard to set a number, it is not that black and white. Usually there is a whole raft of other environment variables at play before you can set a relative safe range for the reserve. I would not dare to start guessing and I think we will need some economics and banking expertise and guidance to keep on the right track.