In the current low interest rate environment, we are not using bonds for cost and risk reasons. Bond yields are closely linked to interest rates. In the case of low (or even negative) interest rates, it is therefore possible that costs incurred (administration fee and product costs) may exceed the yield and bonds thus have a negative return. If interest rates rise again one day, bonds will also suffer valuation losses. For these reasons, we currently believe that the positive interest-bearing account is the better solution for our customers.