Thank you for that.
I want to go to Ms. van den Berg.
I want to see if I can get you to expand a little bit on the issue of digital income verification and why it's so important, from your perspective.
Part of what I'm thinking about is that I recall that last spring, Sam Cooper wrote an article about money laundering that had gone on through HSBC. There had been falsified mortgage applications showing basically fake income letters, which allowed these mortgages to proceed.
Is that one of the reasons you'd like to have this digital income verification? How would it work?