There are two parts to my answer.
Analyses clearly prove that we take on more risk than other financial institutions. We do benchmarking, and we can easily prove that the risks we take on are greater.
As for paperwork, we try to keep it to a minimum. To be frank, our technological platform is old, and we are in the process of replacing it. Next year, once this computer project is completed, we will finally have arrived in the 21st century, and we will be able to reduce paperwork considerably. So there is really no link between the two. We simply happen to have an old technological platform, which we are currently updating.