 In 10 years from now, I hope that we have addressed and managed to address and to tackle all the challenges that they have already mentioned. So I would like to see a much more resilient banking system, of course, where the provision of services is really more European, with more pan-European banks in a more consolidated system. So for me, that would be my wish. Of course, the question of the resilience of the system and whether the banks are prepared for potential economic downturns, it's also a wish for the future. I think that we as Europeans, we need to pursue having a full banking union. So the question of the eddies and, of course, to reduce the fragmented market, I think it will be a wish for the future. And finally, and this really I have learned from my new position in Banco de España, is that we supervisors need to be more transparent, be more linked and closer to the individuals in order to provide confidence to the market. So this is a challenge as well for the supervisors, but also for the banking industry. So if we really manage to convey to the individuals that having an integrated and consolidated supervision is good for society, I think we would have achieved and succeeded in having a better Europe.