chances are the methodologists would be very similar and lead to less diversity of opinions and more alliant ratings across the competition, which i think would be negative for investors, because it would reduce the information available to them. it could also potentially slow down the methodological adjustments to new realities. the methodology is not something that's cast in stone. that is under sort of annual revision at least. sometimes as the case may be, a short notice if the situation changes. if you have sort of a, an approval process, you have to go through, these changes which may be warranted from the analytical point of view may take longer to take and, therefore, reduce the quality of the ratings. it may furthermore, lastly, and i stop after this, it may increase another risk that some -- some politicians are worried about, the overreliance on ratings. if you are an investors and the proved methodology you might think, well, that should be all right and actually reduce the analytical effort rather than increase it, which i understand is the intention of the european policymaker.