nannette: no. this is to do more with sectors.n that some areass -- you see in what where the new millionaires are active. e-commerce, for example. some of the sectors that have to or classes that are more cyclical have seen x lean heirs. it is how the pandemic has affected different areas of the economy that is explaining this in all countries. the ability across sectors by the wealthy. this: is there anything in report that talks about proclivity for risk or taking risk or becoming more risk-averse or a generational theft? you talk about the millennial generation and minorities. is there anything about risk-taking that you can tell us that is perhaps going on? seen is: what we have that, as usual, when there's high uncertainty, people tend to have more cash holdings. we have seen already in the data material that the flight to the safety in the face of uncertainty, a lot of people have been losing their jobs. this is what we have seen. say this is people becoming less risk taking and more risk-averse. it can also shift really qu