 The SSM as a whole is not an exception. In the near future, we will face a lot of challenges. I think that the first challenge is, of course, to take the supervision to the next level. So we've been working together on strong methodologies, on having strong horizontal teams, and I think I'm very proud of it. But of course, we need to take the supervision to the next level. So in order to do so, I think the supervisors will have to keep gaining knowledge and expertise in order to create the art of supervision. So through this expert knowledge and judgment and analysis, I think that this will be, of course, fulfilled. The second challenge is, of course, to make the system more resilient. And in order to strengthen these resilience, we, the supervisors, we will have to assess different topics. For example, whether the capital ratios are adequate for the business models and the profitability of the banks, whether the MPLs are really decreasing at the right path, whether the asset valuation is correct in the banks, or whether the complex products are really adequately managed. Also, I think, and it is very important to assess the governance and the business model of institutions. In this current and challenging landscape, we need to be very sure that the banks are able to face all the challenges. So for example, I mean, the digitalization, is it needed for everyone, or it should be different from one bank to another, or whether there are needs for additional investments in order to make the banks more flexible and digital. Also the question of the margin compression and low interest rate environment. Are the banks taking the right decisions in order to prepare their business models for the future? So here the supervisors also will have to assess these decisions. Or another question around, for example, the proper governance structures. Are the proper governance structures really ready for the future? So for those challenges, I think the banks need to be assessed. But what is a challenge for a bank, it's also a challenge for a supervisor. So really, we need to keep working together in order to overcome all those challenges.