is ludovic subran with allianz.ossible third wave of infections and what these lockdowns are doing in europe, are you less bullish on europe than the u.s. right now? ludovic: because of the uncoordinated stop and go policies, you know, what you see now is not only, you know, the second wave or the third wave, it is that countries are doing something which is very costly for europe, for, you know, ng in someskii countries are forbidden. weconcern is at the moment, are very worried on brexit at side, europe went big and bold and the announcement, now it is all about spending the money. we are still missing some plans from italy and spain when it comes to what they want to spend the money on. so that is the only reason we are less bullish on europe, but it takes 27 times longer to agree on something than the u.s. francine: when you look at the recovery fund, is it a real game changer for europe? what more do you need? i may ask you about brexit, but what more do you need to see in the next 5, 6 months to make sure that

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