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You've got a lot of market impacts, etc.
And you can see that in terms of the overall cost trajectory that we've had from 2019 onwards, where we broadly kept costs flat now '18, '19, '20 -- so '19 through '22.
Appreciated the discussion and look forward to catching up with you in interim results.
HSBC
But I don't think fundamentally anything's changed our strategy in any of those legal entities over the last one to two quarters.
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But the reverse of that should be much higher net interest income, much higher returns, much higher distribution capacity in 2023 and beyond.
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