The FT recently rolled a few articles on Revolut and the fintech sector in general. Revolut's IPO is scheduled at some point in 2028 (i don't know the exact date) and it makes sense to me that they would try to enter the US market in time for that. While I use Revolut and I think it provides a great service, I know that people in the states rely on debt a lot more than in most other parts of the world. This obviously is tricky for a digital bank whose moat is being particularly stable thanks to a low LDR. What are your thoughts?