Summary : The worst of capricious regulation on dividend and we will pay next year is not the defense. We’ve raised our return on tangible equity target for next year up from 10 to 12 percent. So I think mathematically when you run that three what you will see is a very material step up in dividends for next year. But overall I think we we grew our lending portfolio globally by about 5 percent annualized in the quarter with growth rates in the double and double digit growth rates in some areas of the world.
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