Hello gembira, thank you for your intervention! All the projects you mentioned are brokerage insurance platforms, we will set up 3 insurance companies that will have their own business. We have already purchased a certified insurance platform with an investment of around € 300,000. Essentially the difference is that they are intermediaries, we will go to establish real insurance companies, we already have contacts with the regulators of Dubai, Bermuda and Lisbon for the opening of activities, as well as a network of more than 300 brokers ready to carry out the activity.