But again, unemployment, even if it — so GDP contracting, I think our numbers are 1.3% but from very low levels. So we are monitoring very carefully our portfolio. Again, the return on mortgages is still very attractive above cost of equity. And I don’t know if you want to complement that Héctor and address, please, if you can, the Swiss franc mortgage question.
Jose Garcia-Cantera: Swiss franc. We increased the coverage of the Swiss franc portfolio to over 40% at the end of last year, around 45%, which is very much in line with the figures we have for our competitors at the end of the third quarter. Probably we are basing that on our experience of the recent court rulings locally. So it’s important to stress that we are already above the KNF-recommended level in Poland. So we feel comfortable with that level. And again, we will be assigning provisions to this portfolio in the future based on the experience of court rulings. We are, as you know, still expecting a very important ruling from the European Court of Justice, particularly related to the capital returns. So again, this is a very fluid situation. Future provisions, again, will be assigned depending on court rulings locally.
Operator: We have a question coming from Andrea Filtri from Mediobanca.
Andrea Filtri: Yes. Could you please provide more geographical visibility for the main countries behind the double-digit revenue growth for 2023? And we got that this targeted in euros, the question before was if it’s in constant euros or if it is adjusted for the future FX. The second question is on your EUR 2 billion to EUR 2.5 billion rate sensitivity. Can you please elaborate the assumptions behind that, i.e., which forward curve are you using and what date? And what deposit betas are you assuming in each country for your guidance? And just finally, if you could give us the detail of the structural hedge on the U.K. portfolio.
Ana Botin: Yes, please, let me just correct something in terms of revenues. I said current euros. Now it’s in constant, the double-digit revenue growth. In terms of the — but it is the same, right? We also — we’re guiding — actually both should increase, both constant and also current. The EUR 2 billion to EUR 2.5 billion rate sensitivity, that’s based on the current forward curves. I mean, I think that was the date we did the presentation, but my team can — and the IR can give you more detail on that one. In terms of deposit betas, actually, Héctor went through that in another question. Maybe you want to repeat it, the deposit betas. I’ll leave you go through that again, but he answered that. And in terms of geographic visibility and guidance, we will give detail on that in Investor Day, but I do want to stress one thing.
This is not just about geographies. This is also about the global businesses and the Santander network, which has been one of the key advances we’ve made in the last few years, and there’s a lot more opportunity to leverage these global businesses as we’re already doing and showing with CIB, Wealth Management and payments and auto to a lesser extent. So we will give you more visibility how this benefits the individual geographies in the coming Investor Day. I think I answered all those questions, and maybe you want to repeat the deposit betas? And then maybe José?
