Sebastian Siemiatkowski

They reward us for that.

They agree with that, right?

And that doesn't mean you're still in credit.

So you're still going to have, unfortunately, occasionally people who overextend themselves.

You have to be mindful about that.

You have to help them when they're distressed and so forth.

It's a difficult business in that sense.

It's a bank, right?

So you have to be mindful about these things.

But generally speaking, the type of product we're offering is a better product than the traditional products of the banks.

Yeah.

I mean, to some degree, from a European perspective, it's obviously partially sad to see that a lot of the successful AI and companies in the US, where actually the founders are European.

100%.

Right?

It's a bit sad.

But that's just how it is.

I remember Truecaller, a friend of mine, also a fantastic company, European.

Yeah, Nami and Zahi.

And they were like told by the VCs, the American VCs, like, you have to move your engineering center to Silicon Valley because otherwise everything's going to go to shit.

And they did.