So, it is about half.
I have another question about premium cards. I would like you to provide me with a clear answer, Mr. Van Duynhoven.
Who pays for the premiums? Is it the acquirers, the consumers, the merchants, the issuers or the company giving the premiums? I would be surprised if it were the company giving the premiums because nothing is free. Who pays for that, at the end of the day?