Thank you for your question.
I am going to give you a short answer with two parts. First, I am going to mention the numbers, which are very important. In any given year, we have between 55,000 and 60,000 transactions, whose total value amounts to around $17 billion. And 40% of that goes to small enterprises. In the United States—and correct me if I am wrong, Tom—they have a carve-out of 20 to 23%.