Yeah, there was a typo at that point, which has now been fixed. Thanks for pointing it out.
The assumption is that costs were brought down to an extremely low level this year, from which there would be a slight return toward what I assume to be a more normal level starting next year. As I wrote above, for example regarding Q3 personnel expenses, it looks like some bonus savings were achieved that won’t necessarily recur every year. Of course, estimating costs is also relatively uncertain, as the company comments very sparingly on their trend/outlook.