Equity Bank always has a way of making firsts where other banks would not dare go; and so far this kind of strategy has taken them to position one in the Kenyan banking industry. I think JM knows what he is doing; and knows a number of shareholders well. With Citadel on board, who are more accomplished investors compared to the former investors from SA, l think RVR at last has a real chance to begin to turn things around. This is however not to downplay the time and capex needed to make it a profitable modern railway operator.