Regarding booking models, there are still a small number of banks that have not fully adjusted in line with our expectations. Again, it looks as if some banks are not as adaptable as supervisors would like them to be. The good news is that even these banks have now started to take action.
We are aware, of course, that for some banks Brexit implies big organisational challenges. We will work with these banks to find acceptable solutions. But let me be blunt: many of these banks are big enough to shoulder these changes and to bring staff to the EU, even though they might not see the need.