I would say that the banking sector in Russia is still relatively small. It's considered to be, I would say, under market. From a regulatory point of view, they've made some progress. I believe some foreign financial institutions are making investments in the banking sector right now. That should contribute to raising the operating level of the banks.
In terms of specifics, I would need to get back to you to give you a more detailed answer in terms of the quality of the regulatory environment for the banks. I can just say that from our perspective, we are satisfied enough to take some exposure with some of the commercial banks in Russia.