“First of all, it’s getting scaled fast. The business was growing, but it was reasonably slow. We were breaking even, but it was not scaling up fast. Then, secondly, it’s like always keeping an eye on what’s going on under regulatory space, especially in financial services, because that can completely change your business model. I didn’t see that point coming. So we didn’t anticipate the changes in the business, and therefore, we were a bit late to react.”