 I will close with our daily operations at all levels of SSM during the coming months. Will WebEx teleconferences continue to be the rule of the day? We are already using it for several months and admittedly it has offered a much needed solution to the social distancing problem, but it has also shown its limits. Shouldn't the ECB and NCA's invest in IT and telecommunication infrastructure that will improve video conferencing capacity, quality and security? I think we should. We do not know when we will be able to revert to physical presence, so such spending I believe is wealth worth it.