Footnote 11 on page 5: "I am particularly concerned about market participants who extend to customers credit in U.S. dollars – a relatively stable asset – to en

Footnote 11 on page 5: "I am particularly concerned about market participants who extend to customers credit in U.S. dollars – a relatively stable asset – to enable the purchase of cryptocurrencies, which, in recent experience, have proven to be a more volatile asset."