It's a challenge for big banks as well, but they got a lot of money to throw at it.

Yes.

Sometimes even having a lot of money is not changing their business.

But you're right.

There are maybe too many small building societies in the market.

So I think it's the starting point.

And today we are having 20 of them, clients from very small one up to top five.

But what happens when, I guess, you know, this older generation, they pass off? What about the younger generation? What are the building societies