Many people throughout our organization have this experience. It's very important to create one brand. It's also good to do it quickly. You have to have the energy to decide. Otherwise, you lose a lot of time.
Technology is also important.
It helps make a merger much more feasible and creates tremendous opportunity to cut costs. Of course, it's losing money, but it's a fantastic experience. It's important to gain this experience on the ground. Over time, we will increasingly enter the life of the customer through technology. Technology will transform the bank entirely.