This is a very big risk. As the offerings of the banks are not that differentiated the relationship with the customer has a very high value, much more, potentially, than any other industries. There’s currently an inertia with getting the customer to move from one bank to another . . . So if one of these startups make it easy for me to go from working with bank A to working with bank B, because in reality, you’ve created a layer on top that allows you to replace the bank on the back end but retain the relationship with the customer on your own, you are in fact destroying my revenue model.