Luminor Bank

If it can't, a forced sale or deeper consolidation.

About AirBaltic, but not only about that, I discussed with the chief economist at Luminor Estonia, Mr. Leno Uskula.

Luminor published its Baltic Outlook just last Thursday, and I was keen to talk to a team member behind the report.

And we are happy to invite back Leno Uskula from Luminor Bank from Estonia.

Hello, Leno.

Hello.

Yes, you have been here last year when we had an economist panel from the Baltic countries.

Now you are alone here to introduce us with the newest, with the freshest Baltic outlook from Luminor.