It makes no difference. All are full-service operations. For example, there are many general deposits, loans, mortgages, car loan insurance, funds and so on. If there is, it's just a different focus. For example, in the same loan business, there are personal loans and corporate loans. Some banks mainly rely on personal loans, while others prefer corporate loans, which is very common in large state-owned banks. Some focus on credit card business, while others don't pay much attention to credit cards. That's all that matters.