Hints:

Kate

Kate, sales have increased, but has that meant higher profits? Yes, it has. We're waiting for the final figures, but we already know that overall, in the first 3/4 of the year, profits rose by 15% compared to last year, from 960,000 to 1.1 million. In fact since April, profits have increased every single month and they are still going up. What about next year? Well, as you know, next year we're going to centralize distribution so costs will decrease. Even if sales level off, profits will improve. Gerard, how do you decide who to lend money to and who not to? One of the most important elements is to consider the individual or individuals.