As a fixed late payment charge?

This changes a lot because if you have only a single receivable of €1 million, then getting paid €25 on it is nothing. You will pay only €25, then commission and interest. If you have a credit of €10 million with 5 million in receivables, it's a great deal. How do you manage this kind of deal? You manage it by closing the deal with the public administration. Not applying for each receivable at €25, but if you have a credit of €10 million, with the receivable and fixed tax, it could be €30 million. Then with interest, it could be €50 million. With commission, it could be €60 million. You will find a solution because public administration never pays all at once, but you will find a solution. We understand that you start from a great point.

And you mentioned that Italy is BFF's main market because they're a leader there. Why is it advantageous against the competition when you're the market leader?

When you buy credit from public administration, or even non-public administration, it's crucial to manage the credit well. What I mean by managing the credit is having a good relationship with the public administration because they are the client of your client. If your client sells the credit to you and you don't maintain a good relationship with their clients or the public administration, it could be problematic for future deals with your client and the public administration. The public administration might say, "I'm providing you my service, you sell the credit to BFF, and BFF is very aggressive with me, so I won't give you the job because you might sell, and I could face difficulties."