text:  it may be forced to foot the bill and foot the bill for different sectors, getting everything coming in at the same time. So they've been affected. And then you've got trading in commodities, you've got trading in gas, electricity, in oil. There have been platforms, IT platforms, based on the Windows system, which have been struggling as well. So there's been all of this disruption, severe in some cases, minor in others, but worldwide.