 Spain was really hit by the crisis. Maybe a bit later than in other peers and in other countries around, but I think that the depth of the crisis was even bigger. One of the root causes, in my opinion, of the crisis in the Spanish banking system was that the governance frameworks were not up to speed. The crisis hit and impacted the banking system and the society, but it is true that not all the pieces in the banking industry were affected in the same way. Only those having really good governance arrangements, really high and good underwriting standards and also having a more diversified business model survived and succeeded throughout the crisis. So for me, the first lesson is that the governance is key, the business model is key, and the diversification is key. So here appears the question of the consolidation in the system. Throughout the crisis, for example, I mean the former savings banks, Cajas de Ahorros, almost disappeared from around 50. And now we have only two, but if you add up, let's say, the seven banks that inherited the business of those, we will have only nine, so from 50 to seven. So there has been a big and huge consolidation in the system. Also, the number of FTEs and branches decreased dramatically throughout the crisis by percentages of around 40%. So I think the level of restructuring in the system has been huge. And probably this is one lesson taken after the crisis.