We know there are very few competitors out there today. What would you say BFF did differently to survive when others didn't?

The main competitors, the major banks like Intesa and UniCredit, have one major limit that BFF doesn't have. These bigger banks also do treasury for some of the bigger PAs. We haven't talked about late payment interest, but since the market has shifted a lot to late payment interest, they're unable to collect on it because you collect through injunction decrees. If you're doing treasury for a PA, you'd effectively be doing an injunction decree against current accounts that are with you.