Following closely behind is the individual consumer segment. With a population of 19m (LBS population estimates 2012), Lagos alone has more customers than can be served by the existing financial institutions in the state. While the banks take a large portion of this group, the ever growing middle class find it difficult to meet the bank's terms and conditions of service and have shown an appetite for quick turn-around loans that we provide. The absence of sound financial advice from large financial institutions also give us the golden chance to offer this as an add-on for our clients. With the projected growth of the middle class in emerging economies such as ours, we aim to build expertise in this segment in the short term so it would be a key growth segment for us in the longer term, helping to reduce our average risk profile from the segment.