 that need to be leveraged. So there are the academic skills. There's also the finance there. And I think really the question now is to put the framework around that to deliver it. But I think we're all aligned on this. I think we really see a lot of people extremely aligned on it. And from a banking perspective, we are constantly dealing. I mean, with BlackRock, we're having a lot of transactions all over the world, and with Phoenix as well here in the housing sector as well.