we've been able to bring down mpa's by close to 1.6 billion euros in nine months this is more than 10.6% of the total mpa's in this year alone we've been bringing down mpls by over 50% in the last three years. so things are improving fast probably mostly driven by the economic environment and the evolution of the macro and especially the good evolution and the good trends in terms of unemployment, which is coming down fast. >> i want to ask you about the future plans for the business. you are considering the least exposed catalonia, yet there is still implication from how the independence push goes it seems as though the government might try to reduce some stakes, 67% i believe it's holding on to, but this will come down to how events are pushing around the independence push what do you make of that and how this is tracked to the independence vote. >> we have very little exposure to catalonia, less than 3% on market share in deposits things have been much more quiet this week. things are coming back to normality. elections will be held the end of december. i think things are coming back