 The impact of the low interest environment is massive and actually universal. It's impacting all banks across all pillars. So the kind of reactions provided by the bank are sort of less driven by the legal format as opposed to the composition of the business portfolio. The more you are in retail businesses, deposit heavy businesses, the more impacted you are. That could be a very major private bank. It could be a small spark or mutual bank. And of course all banks, it's the major, the number one challenge of the banks in Germany have to react and compensate the losses on the interest bearing revenue side to compensate for decreasing revenues driven by interest.