Nice.

Where we are today is the result of fifteen years, or maybe even now sixteen years, of a lot of hard work.

The hard work resulted in a team that is unbeatable, whether it's physically or digital team.

Digital assets that no one else in the country has, so a core banking software, an app, a card, a wallet, a scoring model, CVM models, uh, risk models.

So we've got models that have been developed that are unique to the business.

A client base that is unmatched in Egypt and that is sticky.

Also, we're very proud to have, uh, brought into the official financial world more than five hundred thousand people who did not previously have financial history, so that gives us a unique advantage because we brought them in, and now we retain them, and we're bringing more in, so we're also tapping into a segment that is unique.

Bottom line, how concerned should we be about your industry? Not about your business, not about M&T, but about your industry.