Well, cutting the red tape for small and medium-sized companies is a major issue. For example, in the financial sector we know that by having a cohesive group with the federation, we were able to manage a lot of the compliance issues, but for small credit unions red tape is something major that we have to address.
Some steps have been made, but I think there are still new measures that can be taken. For example, we're saying that we would like to comply as a whole group, as a federation, instead of 420 financial institutions that are federated. That would help a lot. This is something that we keep working on.