Financial statement
Rakennus- ja Saneeraus Rantakari Oy — 2023-12-31

This company-bound statement page shows the retained raw XBRL filing for the selected period. BUSINESS.fi keeps the page sober: source-backed statement content is shown, but no analytics or score interpretation is added here.
PRH source XML Back to statement periods
Business ID 3095992-5Financial period end 2023-12-31Registration date 2024-06-08
Trust and status signals
Company-bound statement validationReadable XBRL extraction availableRetained raw XBRL file availableNo analytics or scoring applied
Financial statement overview

Lean BUSINESS.fi rendering of the retained PRH XBRL filing with prior-year comparison to 2022-12-31.
Revenue€305,963Previous: €347,504
Operating profit (loss)-€14,113Previous: €7,782
Profit (loss) before appropriations and taxes-€15,643Previous: €6,185
Profit (loss) for the financial year-€15,643Previous: €6,185
Assets€36,161Previous: €45,025
Current assets€27,031Previous: €32,852
Cash and bank€12,572Previous: €21,912
Equity-€5,764Previous: €10,739
Retained earnings€3,880Previous: -€1,446
Liabilities€41,924Previous: €34,286
Short-term liabilities€37,443Previous: €23,225
Readable statement lines

The filing is parsed into official PRH taxonomy labels so the statement is readable without pretending to add analyst interpretation.
Balance sheet: Assets

Fixed assets
2023-12-31€9,130
2022-12-31€12,173
Tangible assets
2023-12-31€9,130
2022-12-31€12,173
Machinery and equipment
2023-12-31€9,130
2022-12-31€12,173
Current assets
2023-12-31€27,031
2022-12-31€32,852
Receivables
2023-12-31€14,459
2022-12-31€10,940
Short-term receivables
2023-12-31€14,459
2022-12-31€10,940
Accounts receivable
2023-12-31€11,150
2022-12-31€3,307
Short-term other receivables
2023-12-31€1,712
2022-12-31€7,308
Short-term accrued income
2023-12-31€1,597
2022-12-31€325
Cash and bank
2023-12-31€12,572
2022-12-31€21,912
Assets
2023-12-31€36,161
2022-12-31€45,025
Balance sheet: Equity and liabilities

Equity
2023-12-31-€5,764
2022-12-31€10,739
Invested unrestricted equity reserve
2023-12-31€6,000
2022-12-31€6,000
Retained earnings
2023-12-31€3,880
2022-12-31-€1,446
Profit (loss) for the financial year in equity
2023-12-31-€15,643
2022-12-31€6,185
Long-term liabilities
2023-12-31€4,482
2022-12-31€11,062
Long-term loans from financial institutions
2023-12-31€4,482
2022-12-31€8,750
Liabilities
2023-12-31€41,924
2022-12-31€34,286
Short-term liabilities
2023-12-31€37,443
2022-12-31€23,225
Short-term loans from financial institutions
2023-12-31€3,840
2022-12-31€3,624
Short-term advances received
2023-12-31€36
2022-12-31€0
Accounts payable
2023-12-31€13,911
2022-12-31€6,219
Short-term other liabilities
2023-12-31€14,581
2022-12-31€7,407
Short-term accrued expenses
2023-12-31€5,075
2022-12-31€5,974
Liabilities and equity
2023-12-31€36,161
2022-12-31€45,025
Income statement

Revenue
2023-12-31€305,963
2022-12-31€347,504
Other operating income
2023-12-31€260
2022-12-31€0
Purchased services
2023-12-31-€61,754
2022-12-31-€35,852
Materials and services
2023-12-31-€116,637
2022-12-31-€100,402
Personnel expenses
2023-12-31-€144,484
2022-12-31-€180,456
Wages and salaries
2023-12-31-€114,476
2022-12-31-€145,891
Pension expenses
2023-12-31-€21,656
2022-12-31-€27,012
Other personnel expenses
2023-12-31-€8,352
2022-12-31-€7,553
Depreciation and impairment
2023-12-31-€3,043
2022-12-31-€4,058
Planned depreciation
2023-12-31-€3,043
2022-12-31-€4,058
Other operating expenses
2023-12-31-€56,172
2022-12-31-€54,806
Operating profit (loss)
2023-12-31-€14,113
2022-12-31€7,782
Other interest and financial income from others
2023-12-31€28
2022-12-31€30
Interest and other financial expenses to others
2023-12-31-€1,559
2022-12-31-€1,627
Financial income and expenses
2023-12-31-€1,531
2022-12-31-€1,597
Profit (loss) before appropriations and taxes
2023-12-31-€15,643
2022-12-31€6,185
Profit (loss) for the financial year
2023-12-31-€15,643
2022-12-31€6,185
Statement access

The page keeps the durable file metadata and the original PRH source clearly separated from BUSINESS.fi presentation concerns.
Retained file path: var/data/prh/xbrl-statements/3095992-5/2023-12-31.xbrlRetained file hash: 50ae66e4d66afd9561e7f7c15497a612a6922c3d12765e0288c26b90ce7581c7Retained file size: 69164PRH source URL: https://avoindata.prh.fi/opendata-xbrl-api/v3/financial?businessId=3095992-5&financialDate=2023-12-31
Raw retained XBRL

The raw filing remains available, but the readable statement view now leads by default.
Show retained raw XBRL XML
<?xml version="1.0" encoding="UTF-8"?><xbrli:xbrl xmlns="http://www.xbrl.org/2003/instance"    xmlns:fi_MC="http://www.suomi.fi/xbrl/crr/dict/dom/MC"    xmlns:fi_RF="http://www.suomi.fi/xbrl/crr/dict/dom/RF"    xmlns:fi_SC="http://www.suomi.fi/xbrl/crr/dict/dom/SC"    xmlns:fi_dim="http://www.suomi.fi/xbrl/crr/dict/dim"    xmlns:fi_met="http://www.suomi.fi/xbrl/crr/dict/met"    xmlns:iso4217="http://www.xbrl.org/2003/iso4217"    xmlns:link="http://www.xbrl.org/2003/linkbase"    xmlns:negated="http://www.xbrl.org/2009/role/negated"    xmlns:net="http://www.xbrl.org/2009/role/net"    xmlns:nonnum="http://www.xbrl.org/dtr/type/non-numeric"    xmlns:num="http://www.xbrl.org/dtr/type/numeric"    xmlns:vk_mod_oytp_gaap_ind="http://www.valtiokonttori.fi/fi/fr/xbrl/crr/fws/oytp/kpl-2016-12/2019-03-28/mod/oytp_gaap_ind.xsd"    xmlns:xbrldi="http://xbrl.org/2006/xbrldi"    xmlns:xbrldt="http://xbrl.org/2005/xbrldt"    xmlns:xbrli="http://www.xbrl.org/2003/instance"    xmlns:xl="http://www.xbrl.org/2003/XLink"    xmlns:xlink="http://www.w3.org/1999/xlink"    xmlns:xsd="http://www.w3.org/2001/XMLSchema" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">    <link:schemaRef        xlink:href="http://www.valtiokonttori.fi/fi/fr/xbrl/crr/fws/oytp/kpl-2016-12/2019-03-28/mod/oytp_gaap_ind.xsd" xlink:type="simple"/>    <xbrli:context id="_ctx1" xmlns:xbrli="http://www.xbrl.org/2003/instance">        <xbrli:entity>            <xbrli:identifier scheme="http://ytj.fi">3095992-5</xbrli:identifier>        </xbrli:entity>        <xbrli:period>            <xbrli:instant>2023-12-31</xbrli:instant>        </xbrli:period>    </xbrli:context>    <xbrli:context id="_ctx2" xmlns:xbrldi="http://xbrl.org/2006/xbrldi" xmlns:xbrli="http://www.xbrl.org/2003/instance">        <xbrli:entity>            <xbrli:identifier scheme="http://ytj.fi">3095992-5</xbrli:identifier>        </xbrli:entity>        <xbrli:period>            <xbrli:instant>2023-12-31</xbrli:instant>        </xbrli:period>        <xbrli:scenario xmlns:xbrldi="http://xbrl.org/2006/xbrldi">            <xbrldi:explicitMember dimension="fi_dim:MCY" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">fi_MC:x673</xbrldi:explicitMember>        </xbrli:scenario>    </xbrli:context>    <xbrli:context id="_ctx5" xmlns:xbrldi="http://xbrl.org/2006/xbrldi" xmlns:xbrli="http://www.xbrl.org/2003/instance">        <xbrli:entity>            <xbrli:identifier scheme="http://ytj.fi">3095992-5</xbrli:identifier>        </xbrli:entity>        <xbrli:period>            <xbrli:instant>2023-12-31</xbrli:instant>        </xbrli:period>        <xbrli:scenario xmlns:xbrldi="http://xbrl.org/2006/xbrldi">            <xbrldi:explicitMember dimension="fi_dim:MCY" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">fi_MC:x49</xbrldi:explicitMember>        </xbrli:scenario>    </xbrli:context>    <xbrli:context id="_ctx7" xmlns:xbrldi="http://xbrl.org/2006/xbrldi" xmlns:xbrli="http://www.xbrl.org/2003/instance">        <xbrli:entity>            <xbrli:identifier scheme="http://ytj.fi">3095992-5</xbrli:identifier>        </xbrli:entity>        <xbrli:period>            <xbrli:instant>2023-12-31</xbrli:instant>        </xbrli:period>        <xbrli:scenario xmlns:xbrldi="http://xbrl.org/2006/xbrldi">            <xbrldi:explicitMember dimension="fi_dim:MCY" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">fi_MC:x755</xbrldi:explicitMember>        </xbrli:scenario>    </xbrli:context>    <xbrli:context id="_ctx9" xmlns:xbrldi="http://xbrl.org/2006/xbrldi" xmlns:xbrli="http://www.xbrl.org/2003/instance">        <xbrli:entity>            <xbrli:identifier scheme="http://ytj.fi">3095992-5</xbrli:identifier>        </xbrli:entity>        <xbrli:period>            <xbrli:instant>2023-12-31</xbrli:instant>        </xbrli:period>        <xbrli:scenario xmlns:xbrldi="http://xbrl.org/2006/xbrldi">            <xbrldi:explicitMember dimension="fi_dim:MCY" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">fi_MC:x10</xbrldi:explicitMember>        </xbrli:scenario>    </xbrli:context>    <xbrli:context id="_ctx10"        xmlns:xbrldi="http://xbrl.org/2006/xbrldi" xmlns:xbrli="http://www.xbrl.org/2003/instance">        <xbrli:entity>            <xbrli:identifier scheme="http://ytj.fi">3095992-5</xbrli:identifier>        </xbrli:entity>        <xbrli:period>            <xbrli:instant>2023-12-31</xbrli:instant>        </xbrli:period>        <xbrli:scenario xmlns:xbrldi="http://xbrl.org/2006/xbrldi">            <xbrldi:explicitMember dimension="fi_dim:MCY" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">fi_MC:x758</xbrldi:explicitMember>        </xbrli:scenario>    </xbrli:context>    <xbrli:context id="_ctx11"        xmlns:xbrldi="http://xbrl.org/2006/xbrldi" xmlns:xbrli="http://www.xbrl.org/2003/instance">        <xbrli:entity>            <xbrli:identifier scheme="http://ytj.fi">3095992-5</xbrli:identifier>        </xbrli:entity>        <xbrli:period>            <xbrli:instant>2023-12-31</xbrli:instant>        </xbrli:period>        <xbrli:scenario xmlns:xbrldi="http://xbrl.org/2006/xbrldi">            <xbrldi:explicitMember dimension="fi_dim:MCY" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">fi_MC:x6</xbrldi:explicitMember>        </xbrli:scenario>    </xbrli:context>    <xbrli:context id="_ctx13"        xmlns:xbrldi="http://xbrl.org/2006/xbrldi" xmlns:xbrli="http://www.xbrl.org/2003/instance">        <xbrli:entity>            <xbrli:identifier scheme="http://ytj.fi">3095992-5</xbrli:identifier>        </xbrli:entity>        <xbrli:period>            <xbrli:instant>2023-12-31</xbrli:instant>        </xbrli:period>        <xbrli:scenario xmlns:xbrldi="http://xbrl.org/2006/xbrldi">            <xbrldi:explicitMember dimension="fi_dim:MCY" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">fi_MC:x8</xbrldi:explicitMember>        </xbrli:scenario>    </xbrli:context>    <xbrli:context id="_ctx14"        xmlns:xbrldi="http://xbrl.org/2006/xbrldi" xmlns:xbrli="http://www.xbrl.org/2003/instance">        <xbrli:entity>            <xbrli:identifier scheme="http://ytj.fi">3095992-5</xbrli:identifier>        </xbrli:entity>        <xbrli:period>            <xbrli:instant>2023-12-31</xbrli:instant>        </xbrli:period>        <xbrli:scenario xmlns:xbrldi="http://xbrl.org/2006/xbrldi">            <xbrldi:explicitMember dimension="fi_dim:MCY" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">fi_MC:x9</xbrldi:explicitMember>        </xbrli:scenario>    </xbrli:context>    <xbrli:context id="_ctx15"        xmlns:xbrldi="http://xbrl.org/2006/xbrldi" xmlns:xbrli="http://www.xbrl.org/2003/instance">        <xbrli:entity>            <xbrli:identifier scheme="http://ytj.fi">3095992-5</xbrli:identifier>        </xbrli:entity>        <xbrli:period>            <xbrli:instant>2023-12-31</xbrli:instant>        </xbrli:period>        <xbrli:scenario xmlns:xbrldi="http://xbrl.org/2006/xbrldi">            <xbrldi:explicitMember dimension="fi_dim:MCY" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">fi_MC:x5</xbrldi:explicitMember>        </xbrli:scenario>    </xbrli:context>    <xbrli:context id="_ctx16"        xmlns:xbrldi="http://xbrl.org/2006/xbrldi" xmlns:xbrli="http://www.xbrl.org/2003/instance">        <xbrli:entity>            <xbrli:identifier scheme="http://ytj.fi">3095992-5</xbrli:identifier>        </xbrli:entity>        <xbrli:period>            <xbrli:instant>2023-12-31</xbrli:instant>        </xbrli:period>        <xbrli:scenario xmlns:xbrldi="http://xbrl.org/2006/xbrldi">            <xbrldi:explicitMember dimension="fi_dim:MCY" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">fi_MC:x449</xbrldi:explicitMember>        </xbrli:scenario>    </xbrli:context>    <xbrli:context id="_ctx19"        xmlns:xbrldi="http://xbrl.org/2006/xbrldi" xmlns:xbrli="http://www.xbrl.org/2003/instance">        <xbrli:entity>            <xbrli:identifier scheme="http://ytj.fi">3095992-5</xbrli:identifier>        </xbrli:entity>        <xbrli:period>            <xbrli:instant>2023-12-31</xbrli:instant>        </xbrli:period>        <xbrli:scenario xmlns:xbrldi="http://xbrl.org/2006/xbrldi">            <xbrldi:explicitMember dimension="fi_dim:MCY" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">fi_MC:x448</xbrldi:explicitMember>        </xbrli:scenario>    </xbrli:context>    <xbrli:context id="_ctx20"        xmlns:xbrldi="http://xbrl.org/2006/xbrldi" xmlns:xbrli="http://www.xbrl.org/2003/instance">        <xbrli:entity>            <xbrli:identifier scheme="http://ytj.fi">3095992-5</xbrli:identifier>        </xbrli:entity>        <xbrli:period>            <xbrli:instant>2023-12-31</xbrli:instant>        </xbrli:period>        <xbrli:scenario xmlns:xbrldi="http://xbrl.org/2006/xbrldi">            <xbrldi:explicitMember dimension="fi_dim:MCY" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">fi_MC:x1869</xbrldi:explicitMember>        </xbrli:scenario>    </xbrli:context>    <xbrli:context id="_ctx21"        xmlns:xbrldi="http://xbrl.org/2006/xbrldi" xmlns:xbrli="http://www.xbrl.org/2003/instance">        <xbrli:entity>            <xbrli:identifier scheme="http://ytj.fi">3095992-5</xbrli:identifier>        </xbrli:entity>        <xbrli:period>            <xbrli:instant>2023-12-31</xbrli:instant>        </xbrli:period>        <xbrli:scenario xmlns:xbrldi="http://xbrl.org/2006/xbrldi">            <xbrldi:explicitMember dimension="fi_dim:MCY" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">fi_MC:x689</xbrldi:explicitMember>        </xbrli:scenario>    </xbrli:context>    <xbrli:context id="_ctx29"        xmlns:xbrldi="http://xbrl.org/2006/xbrldi" xmlns:xbrli="http://www.xbrl.org/2003/instance">        <xbrli:entity>            <xbrli:identifier scheme="http://ytj.fi">3095992-5</xbrli:identifier>        </xbrli:entity>        <xbrli:period>            <xbrli:instant>2023-12-31</xbrli:instant>        </xbrli:period>        <xbrli:scenario xmlns:xbrldi="http://xbrl.org/2006/xbrldi">            <xbrldi:explicitMember dimension="fi_dim:MCY" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">fi_MC:x4014</xbrldi:explicitMember>        </xbrli:scenario>    </xbrli:context>    <xbrli:context id="_ctx34"        xmlns:xbrldi="http://xbrl.org/2006/xbrldi" xmlns:xbrli="http://www.xbrl.org/2003/instance">        <xbrli:entity>            <xbrli:identifier scheme="http://ytj.fi">3095992-5</xbrli:identifier>        </xbrli:entity>        <xbrli:period>            <xbrli:instant>2023-12-31</xbrli:instant>        </xbrli:period>        <xbrli:scenario xmlns:xbrldi="http://xbrl.org/2006/xbrldi">            <xbrldi:explicitMember dimension="fi_dim:MCY" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">fi_MC:x4046</xbrldi:explicitMember>        </xbrli:scenario>    </xbrli:context>    <xbrli:context id="_ctx35"        xmlns:xbrldi="http://xbrl.org/2006/xbrldi" xmlns:xbrli="http://www.xbrl.org/2003/instance">        <xbrli:entity>            <xbrli:identifier scheme="http://ytj.fi">3095992-5</xbrli:identifier>        </xbrli:entity>        <xbrli:period>            <xbrli:instant>2023-12-31</xbrli:instant>        </xbrli:period>        <xbrli:scenario xmlns:xbrldi="http://xbrl.org/2006/xbrldi">            <xbrldi:explicitMember dimension="fi_dim:MCY" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">fi_MC:x12</xbrldi:explicitMember>        </xbrli:scenario>    </xbrli:context>    <xbrli:context id="_ctx36"        xmlns:xbrldi="http://xbrl.org/2006/xbrldi" xmlns:xbrli="http://www.xbrl.org/2003/instance">        <xbrli:entity>            <xbrli:identifier scheme="http://ytj.fi">3095992-5</xbrli:identifier>        </xbrli:entity>        <xbrli:period>            <xbrli:instant>2023-12-31</xbrli:instant>        </xbrli:period>        <xbrli:scenario xmlns:xbrldi="http://xbrl.org/2006/xbrldi">            <xbrldi:explicitMember dimension="fi_dim:MCY" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">fi_MC:x738</xbrldi:explicitMember>        </xbrli:scenario>    </xbrli:context>    <xbrli:context id="_ctx42"        xmlns:xbrldi="http://xbrl.org/2006/xbrldi" xmlns:xbrli="http://www.xbrl.org/2003/instance">        <xbrli:entity>            <xbrli:identifier scheme="http://ytj.fi">3095992-5</xbrli:identifier>        </xbrli:entity>        <xbrli:period>            <xbrli:instant>2023-12-31</xbrli:instant>        </xbrli:period>        <xbrli:scenario xmlns:xbrldi="http://xbrl.org/2006/xbrldi">            <xbrldi:explicitMember dimension="fi_dim:MCY" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">fi_MC:x740</xbrldi:explicitMember>        </xbrli:scenario>    </xbrli:context>    <xbrli:context id="_ctx55"        xmlns:xbrldi="http://xbrl.org/2006/xbrldi" xmlns:xbrli="http://www.xbrl.org/2003/instance">        <xbrli:entity>            <xbrli:identifier scheme="http://ytj.fi">3095992-5</xbrli:identifier>        </xbrli:entity>        <xbrli:period>            <xbrli:instant>2023-12-31</xbrli:instant>        </xbrli:period>        <xbrli:scenario xmlns:xbrldi="http://xbrl.org/2006/xbrldi">            <xbrldi:explicitMember dimension="fi_dim:MCY" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">fi_MC:x1036</xbrldi:explicitMember>        </xbrli:scenario>    </xbrli:context>    <xbrli:context id="_ctx58"        xmlns:xbrldi="http://xbrl.org/2006/xbrldi" xmlns:xbrli="http://www.xbrl.org/2003/instance">        <xbrli:entity>            <xbrli:identifier scheme="http://ytj.fi">3095992-5</xbrli:identifier>        </xbrli:entity>        <xbrli:period>            <xbrli:instant>2023-12-31</xbrli:instant>        </xbrli:period>        <xbrli:scenario xmlns:xbrldi="http://xbrl.org/2006/xbrldi">            <xbrldi:explicitMember dimension="fi_dim:MCY" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">fi_MC:x816</xbrldi:explicitMember>        </xbrli:scenario>    </xbrli:context>    <xbrli:context id="_ctx66"        xmlns:xbrldi="http://xbrl.org/2006/xbrldi" xmlns:xbrli="http://www.xbrl.org/2003/instance">        <xbrli:entity>            <xbrli:identifier scheme="http://ytj.fi">3095992-5</xbrli:identifier>        </xbrli:entity>        <xbrli:period>            <xbrli:instant>2023-12-31</xbrli:instant>        </xbrli:period>        <xbrli:scenario xmlns:xbrldi="http://xbrl.org/2006/xbrldi">            <xbrldi:explicitMember dimension="fi_dim:MCY" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">fi_MC:x513</xbrldi:explicitMember>        </xbrli:scenario>    </xbrli:context>    <xbrli:context id="_ctx82"        xmlns:xbrldi="http://xbrl.org/2006/xbrldi" xmlns:xbrli="http://www.xbrl.org/2003/instance">        <xbrli:entity>            <xbrli:identifier scheme="http://ytj.fi">3095992-5</xbrli:identifier>        </xbrli:entity>        <xbrli:period>            <xbrli:instant>2023-12-31</xbrli:instant>        </xbrli:period>        <xbrli:scenario xmlns:xbrldi="http://xbrl.org/2006/xbrldi">            <xbrldi:explicitMember dimension="fi_dim:MCY" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">fi_MC:x1769</xbrldi:explicitMember>        </xbrli:scenario>    </xbrli:context>    <xbrli:context id="_ctx86"        xmlns:xbrldi="http://xbrl.org/2006/xbrldi" xmlns:xbrli="http://www.xbrl.org/2003/instance">        <xbrli:entity>            <xbrli:identifier scheme="http://ytj.fi">3095992-5</xbrli:identifier>        </xbrli:entity>        <xbrli:period>            <xbrli:instant>2023-12-31</xbrli:instant>        </xbrli:period>        <xbrli:scenario xmlns:xbrldi="http://xbrl.org/2006/xbrldi">            <xbrldi:explicitMember dimension="fi_dim:MCY" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">fi_MC:x1771</xbrldi:explicitMember>        </xbrli:scenario>    </xbrli:context>    <xbrli:context id="_ctx87"        xmlns:xbrldi="http://xbrl.org/2006/xbrldi" xmlns:xbrli="http://www.xbrl.org/2003/instance">        <xbrli:entity>            <xbrli:identifier scheme="http://ytj.fi">3095992-5</xbrli:identifier>        </xbrli:entity>        <xbrli:period>            <xbrli:instant>2023-12-31</xbrli:instant>        </xbrli:period>        <xbrli:scenario xmlns:xbrldi="http://xbrl.org/2006/xbrldi">            <xbrldi:explicitMember dimension="fi_dim:MCY" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">fi_MC:x1775</xbrldi:explicitMember>        </xbrli:scenario>    </xbrli:context>    <xbrli:context id="_ctx88"        xmlns:xbrldi="http://xbrl.org/2006/xbrldi" xmlns:xbrli="http://www.xbrl.org/2003/instance">        <xbrli:entity>            <xbrli:identifier scheme="http://ytj.fi">3095992-5</xbrli:identifier>        </xbrli:entity>        <xbrli:period>            <xbrli:instant>2023-12-31</xbrli:instant>        </xbrli:period>        <xbrli:scenario xmlns:xbrldi="http://xbrl.org/2006/xbrldi">            <xbrldi:explicitMember dimension="fi_dim:MCY" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">fi_MC:x1768</xbrldi:explicitMember>        </xbrli:scenario>    </xbrli:context>    <xbrli:context id="_ctx89"        xmlns:xbrldi="http://xbrl.org/2006/xbrldi" xmlns:xbrli="http://www.xbrl.org/2003/instance">        <xbrli:entity>            <xbrli:identifier scheme="http://ytj.fi">3095992-5</xbrli:identifier>        </xbrli:entity>        <xbrli:period>            <xbrli:instant>2023-12-31</xbrli:instant>        </xbrli:period>        <xbrli:scenario xmlns:xbrldi="http://xbrl.org/2006/xbrldi">            <xbrldi:explicitMember dimension="fi_dim:MCY" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">fi_MC:x438</xbrldi:explicitMember>        </xbrli:scenario>    </xbrli:context>    <xbrli:context id="_ctx94"        xmlns:xbrldi="http://xbrl.org/2006/xbrldi" xmlns:xbrli="http://www.xbrl.org/2003/instance">        <xbrli:entity>            <xbrli:identifier scheme="http://ytj.fi">3095992-5</xbrli:identifier>        </xbrli:entity>        <xbrli:period>            <xbrli:instant>2023-12-31</xbrli:instant>        </xbrli:period>        <xbrli:scenario xmlns:xbrldi="http://xbrl.org/2006/xbrldi">            <xbrldi:explicitMember dimension="fi_dim:MCY" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">fi_MC:x399</xbrldi:explicitMember>        </xbrli:scenario>    </xbrli:context>    <xbrli:context id="_ctx95"        xmlns:xbrldi="http://xbrl.org/2006/xbrldi" xmlns:xbrli="http://www.xbrl.org/2003/instance">        <xbrli:entity>            <xbrli:identifier scheme="http://ytj.fi">3095992-5</xbrli:identifier>        </xbrli:entity>        <xbrli:period>            <xbrli:instant>2023-12-31</xbrli:instant>        </xbrli:period>        <xbrli:scenario xmlns:xbrldi="http://xbrl.org/2006/xbrldi">            <xbrldi:explicitMember dimension="fi_dim:MCY" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">fi_MC:x435</xbrldi:explicitMember>        </xbrli:scenario>    </xbrli:context>    <xbrli:context id="_ctx96"        xmlns:xbrldi="http://xbrl.org/2006/xbrldi" xmlns:xbrli="http://www.xbrl.org/2003/instance">        <xbrli:entity>            <xbrli:identifier scheme="http://ytj.fi">3095992-5</xbrli:identifier>        </xbrli:entity>        <xbrli:period>            <xbrli:instant>2023-12-31</xbrli:instant>        </xbrli:period>        <xbrli:scenario xmlns:xbrldi="http://xbrl.org/2006/xbrldi">            <xbrldi:explicitMember dimension="fi_dim:MCY" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">fi_MC:x360</xbrldi:explicitMember>        </xbrli:scenario>    </xbrli:context>    <xbrli:context id="_ctx101"        xmlns:xbrldi="http://xbrl.org/2006/xbrldi" xmlns:xbrli="http://www.xbrl.org/2003/instance">        <xbrli:entity>            <xbrli:identifier scheme="http://ytj.fi">3095992-5</xbrli:identifier>        </xbrli:entity>        <xbrli:period>            <xbrli:instant>2023-12-31</xbrli:instant>        </xbrli:period>        <xbrli:scenario xmlns:xbrldi="http://xbrl.org/2006/xbrldi">            <xbrldi:explicitMember dimension="fi_dim:MCY" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">fi_MC:x924</xbrldi:explicitMember>        </xbrli:scenario>    </xbrli:context>    <xbrli:context id="_ctx106"        xmlns:xbrldi="http://xbrl.org/2006/xbrldi" xmlns:xbrli="http://www.xbrl.org/2003/instance">        <xbrli:entity>            <xbrli:identifier scheme="http://ytj.fi">3095992-5</xbrli:identifier>        </xbrli:entity>        <xbrli:period>            <xbrli:instant>2023-12-31</xbrli:instant>        </xbrli:period>        <xbrli:scenario xmlns:xbrldi="http://xbrl.org/2006/xbrldi">            <xbrldi:explicitMember dimension="fi_dim:MCY" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">fi_MC:x932</xbrldi:explicitMember>        </xbrli:scenario>    </xbrli:context>    <xbrli:context id="_ctx107"        xmlns:xbrldi="http://xbrl.org/2006/xbrldi" xmlns:xbrli="http://www.xbrl.org/2003/instance">        <xbrli:entity>            <xbrli:identifier scheme="http://ytj.fi">3095992-5</xbrli:identifier>        </xbrli:entity>        <xbrli:period>            <xbrli:instant>2023-12-31</xbrli:instant>        </xbrli:period>        <xbrli:scenario xmlns:xbrldi="http://xbrl.org/2006/xbrldi">            <xbrldi:explicitMember dimension="fi_dim:MCY" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">fi_MC:x2895</xbrldi:explicitMember>        </xbrli:scenario>    </xbrli:context>    <xbrli:context id="_ctx109"        xmlns:xbrldi="http://xbrl.org/2006/xbrldi" xmlns:xbrli="http://www.xbrl.org/2003/instance">        <xbrli:entity>            <xbrli:identifier scheme="http://ytj.fi">3095992-5</xbrli:identifier>        </xbrli:entity>        <xbrli:period>            <xbrli:instant>2023-12-31</xbrli:instant>        </xbrli:period>        <xbrli:scenario xmlns:xbrldi="http://xbrl.org/2006/xbrldi">            <xbrldi:explicitMember dimension="fi_dim:MCY" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">fi_MC:x376</xbrldi:explicitMember>        </xbrli:scenario>    </xbrli:context>    <xbrli:context id="_ctx119"        xmlns:xbrldi="http://xbrl.org/2006/xbrldi" xmlns:xbrli="http://www.xbrl.org/2003/instance">        <xbrli:entity>            <xbrli:identifier scheme="http://ytj.fi">3095992-5</xbrli:identifier>        </xbrli:entity>        <xbrli:period>            <xbrli:instant>2023-12-31</xbrli:instant>        </xbrli:period>        <xbrli:scenario xmlns:xbrldi="http://xbrl.org/2006/xbrldi">            <xbrldi:explicitMember dimension="fi_dim:MCY" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">fi_MC:x2934</xbrldi:explicitMember>        </xbrli:scenario>    </xbrli:context>    <xbrli:context id="_ctx122"        xmlns:xbrldi="http://xbrl.org/2006/xbrldi" xmlns:xbrli="http://www.xbrl.org/2003/instance">        <xbrli:entity>            <xbrli:identifier scheme="http://ytj.fi">3095992-5</xbrli:identifier>        </xbrli:entity>        <xbrli:period>            <xbrli:instant>2023-12-31</xbrli:instant>        </xbrli:period>        <xbrli:scenario xmlns:xbrldi="http://xbrl.org/2006/xbrldi">            <xbrldi:explicitMember dimension="fi_dim:MCY" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">fi_MC:x1806</xbrldi:explicitMember>        </xbrli:scenario>    </xbrli:context>    <xbrli:context id="_ctx129"        xmlns:xbrldi="http://xbrl.org/2006/xbrldi" xmlns:xbrli="http://www.xbrl.org/2003/instance">        <xbrli:entity>            <xbrli:identifier scheme="http://ytj.fi">3095992-5</xbrli:identifier>        </xbrli:entity>        <xbrli:period>            <xbrli:instant>2023-12-31</xbrli:instant>        </xbrli:period>        <xbrli:scenario xmlns:xbrldi="http://xbrl.org/2006/xbrldi">            <xbrldi:explicitMember dimension="fi_dim:MCY" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">fi_MC:x1830</xbrldi:explicitMember>        </xbrli:scenario>    </xbrli:context>    <xbrli:context id="_ctx133"        xmlns:xbrldi="http://xbrl.org/2006/xbrldi" xmlns:xbrli="http://www.xbrl.org/2003/instance">        <xbrli:entity>            <xbrli:identifier scheme="http://ytj.fi">3095992-5</xbrli:identifier>        </xbrli:entity>        <xbrli:period>            <xbrli:instant>2023-12-31</xbrli:instant>        </xbrli:period>        <xbrli:scenario xmlns:xbrldi="http://xbrl.org/2006/xbrldi">            <xbrldi:explicitMember dimension="fi_dim:MCY" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">fi_MC:x3023</xbrldi:explicitMember>        </xbrli:scenario>    </xbrli:context>    <xbrli:context id="_ctx135"        xmlns:xbrldi="http://xbrl.org/2006/xbrldi" xmlns:xbrli="http://www.xbrl.org/2003/instance">        <xbrli:entity>            <xbrli:identifier scheme="http://ytj.fi">3095992-5</xbrli:identifier>        </xbrli:entity>        <xbrli:period>            <xbrli:instant>2023-12-31</xbrli:instant>        </xbrli:period>        <xbrli:scenario xmlns:xbrldi="http://xbrl.org/2006/xbrldi">            <xbrldi:explicitMember dimension="fi_dim:MCY" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">fi_MC:x1818</xbrldi:explicitMember>        </xbrli:scenario>    </xbrli:context>    <xbrli:context id="_ctx138"        xmlns:xbrldi="http://xbrl.org/2006/xbrldi" xmlns:xbrli="http://www.xbrl.org/2003/instance">        <xbrli:entity>            <xbrli:identifier scheme="http://ytj.fi">3095992-5</xbrli:identifier>        </xbrli:entity>        <xbrli:period>            <xbrli:instant>2023-12-31</xbrli:instant>        </xbrli:period>        <xbrli:scenario xmlns:xbrldi="http://xbrl.org/2006/xbrldi">            <xbrldi:explicitMember dimension="fi_dim:MCY" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">fi_MC:x1819</xbrldi:explicitMember>        </xbrli:scenario>    </xbrli:context>    <xbrli:context id="_ctx140"        xmlns:xbrldi="http://xbrl.org/2006/xbrldi" xmlns:xbrli="http://www.xbrl.org/2003/instance">        <xbrli:entity>            <xbrli:identifier scheme="http://ytj.fi">3095992-5</xbrli:identifier>        </xbrli:entity>        <xbrli:period>            <xbrli:instant>2023-12-31</xbrli:instant>        </xbrli:period>        <xbrli:scenario xmlns:xbrldi="http://xbrl.org/2006/xbrldi">            <xbrldi:explicitMember dimension="fi_dim:MCY" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">fi_MC:x1825</xbrldi:explicitMember>        </xbrli:scenario>    </xbrli:context>    <xbrli:context id="_ctx141"        xmlns:xbrldi="http://xbrl.org/2006/xbrldi" xmlns:xbrli="http://www.xbrl.org/2003/instance">        <xbrli:entity>            <xbrli:identifier scheme="http://ytj.fi">3095992-5</xbrli:identifier>        </xbrli:entity>        <xbrli:period>            <xbrli:instant>2023-12-31</xbrli:instant>        </xbrli:period>        <xbrli:scenario xmlns:xbrldi="http://xbrl.org/2006/xbrldi">            <xbrldi:explicitMember dimension="fi_dim:MCY" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">fi_MC:x1826</xbrldi:explicitMember>        </xbrli:scenario>    </xbrli:context>    <xbrli:context id="_ctx142"        xmlns:xbrldi="http://xbrl.org/2006/xbrldi" xmlns:xbrli="http://www.xbrl.org/2003/instance">        <xbrli:entity>            <xbrli:identifier scheme="http://ytj.fi">3095992-5</xbrli:identifier>        </xbrli:entity>        <xbrli:period>            <xbrli:instant>2023-12-31</xbrli:instant>        </xbrli:period>        <xbrli:scenario xmlns:xbrldi="http://xbrl.org/2006/xbrldi">            <xbrldi:explicitMember dimension="fi_dim:MCY" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">fi_MC:x1811</xbrldi:explicitMember>        </xbrli:scenario>    </xbrli:context>    <xbrli:context id="_ctx143"        xmlns:xbrldi="http://xbrl.org/2006/xbrldi" xmlns:xbrli="http://www.xbrl.org/2003/instance">        <xbrli:entity>            <xbrli:identifier scheme="http://ytj.fi">3095992-5</xbrli:identifier>        </xbrli:entity>        <xbrli:period>            <xbrli:instant>2023-12-31</xbrli:instant>        </xbrli:period>        <xbrli:scenario xmlns:xbrldi="http://xbrl.org/2006/xbrldi">            <xbrldi:explicitMember dimension="fi_dim:MCY" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">fi_MC:x424</xbrldi:explicitMember>        </xbrli:scenario>    </xbrli:context>    <xbrli:context id="_ctx144"        xmlns:xbrldi="http://xbrl.org/2006/xbrldi" xmlns:xbrli="http://www.xbrl.org/2003/instance">        <xbrli:entity>            <xbrli:identifier scheme="http://ytj.fi">3095992-5</xbrli:identifier>        </xbrli:entity>        <xbrli:period>            <xbrli:instant>2023-12-31</xbrli:instant>        </xbrli:period>        <xbrli:scenario xmlns:xbrldi="http://xbrl.org/2006/xbrldi">            <xbrldi:explicitMember dimension="fi_dim:MCY" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">fi_MC:x481</xbrldi:explicitMember>        </xbrli:scenario>    </xbrli:context>    <xbrli:context id="_ctx145"        xmlns:xbrldi="http://xbrl.org/2006/xbrldi" xmlns:xbrli="http://www.xbrl.org/2003/instance">        <xbrli:entity>            <xbrli:identifier scheme="http://ytj.fi">3095992-5</xbrli:identifier>        </xbrli:entity>        <xbrli:period>            <xbrli:instant>2022-12-31</xbrli:instant>        </xbrli:period>        <xbrli:scenario xmlns:xbrldi="http://xbrl.org/2006/xbrldi">            <xbrldi:explicitMember dimension="fi_dim:MCY" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">fi_MC:x673</xbrldi:explicitMember>            <xbrldi:explicitMember dimension="fi_dim:REF" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">fi_RF:x53</xbrldi:explicitMember>        </xbrli:scenario>    </xbrli:context>    <xbrli:context id="_ctx148"        xmlns:xbrldi="http://xbrl.org/2006/xbrldi" xmlns:xbrli="http://www.xbrl.org/2003/instance">        <xbrli:entity>            <xbrli:identifier scheme="http://ytj.fi">3095992-5</xbrli:identifier>        </xbrli:entity>        <xbrli:period>            <xbrli:instant>2022-12-31</xbrli:instant>        </xbrli:period>        <xbrli:scenario xmlns:xbrldi="http://xbrl.org/2006/xbrldi">            <xbrldi:explicitMember dimension="fi_dim:MCY" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">fi_MC:x49</xbrldi:explicitMember>            <xbrldi:explicitMember dimension="fi_dim:REF" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">fi_RF:x53</xbrldi:explicitMember>        </xbrli:scenario>    </xbrli:context>    <xbrli:context id="_ctx150"        xmlns:xbrldi="http://xbrl.org/2006/xbrldi" xmlns:xbrli="http://www.xbrl.org/2003/instance">        <xbrli:entity>            <xbrli:identifier scheme="http://ytj.fi">3095992-5</xbrli:identifier>        </xbrli:entity>        <xbrli:period>            <xbrli:instant>2022-12-31</xbrli:instant>        </xbrli:period>        <xbrli:scenario xmlns:xbrldi="http://xbrl.org/2006/xbrldi">            <xbrldi:explicitMember dimension="fi_dim:MCY" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">fi_MC:x755</xbrldi:explicitMember>            <xbrldi:explicitMember dimension="fi_dim:REF" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">fi_RF:x53</xbrldi:explicitMember>        </xbrli:scenario>    </xbrli:context>    <xbrli:context id="_ctx152"        xmlns:xbrldi="http://xbrl.org/2006/xbrldi" xmlns:xbrli="http://www.xbrl.org/2003/instance">        <xbrli:entity>            <xbrli:identifier scheme="http://ytj.fi">3095992-5</xbrli:identifier>        </xbrli:entity>        <xbrli:period>            <xbrli:instant>2022-12-31</xbrli:instant>        </xbrli:period>        <xbrli:scenario xmlns:xbrldi="http://xbrl.org/2006/xbrldi">            <xbrldi:explicitMember dimension="fi_dim:MCY" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">fi_MC:x10</xbrldi:explicitMember>            <xbrldi:explicitMember dimension="fi_dim:REF" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">fi_RF:x53</xbrldi:explicitMember>        </xbrli:scenario>    </xbrli:context>    <xbrli:context id="_ctx153"        xmlns:xbrldi="http://xbrl.org/2006/xbrldi" xmlns:xbrli="http://www.xbrl.org/2003/instance">        <xbrli:entity>            <xbrli:identifier scheme="http://ytj.fi">3095992-5</xbrli:identifier>        </xbrli:entity>        <xbrli:period>            <xbrli:instant>2022-12-31</xbrli:instant>        </xbrli:period>        <xbrli:scenario xmlns:xbrldi="http://xbrl.org/2006/xbrldi">            <xbrldi:explicitMember dimension="fi_dim:MCY" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">fi_MC:x758</xbrldi:explicitMember>            <xbrldi:explicitMember dimension="fi_dim:REF" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">fi_RF:x53</xbrldi:explicitMember>        </xbrli:scenario>    </xbrli:context>    <xbrli:context id="_ctx154"        xmlns:xbrldi="http://xbrl.org/2006/xbrldi" xmlns:xbrli="http://www.xbrl.org/2003/instance">        <xbrli:entity>            <xbrli:identifier scheme="http://ytj.fi">3095992-5</xbrli:identifier>        </xbrli:entity>        <xbrli:period>            <xbrli:instant>2022-12-31</xbrli:instant>        </xbrli:period>        <xbrli:scenario xmlns:xbrldi="http://xbrl.org/2006/xbrldi">            <xbrldi:explicitMember dimension="fi_dim:MCY" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">fi_MC:x6</xbrldi:explicitMember>            <xbrldi:explicitMember dimension="fi_dim:REF" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">fi_RF:x53</xbrldi:explicitMember>        </xbrli:scenario>    </xbrli:context>    <xbrli:context id="_ctx156"        xmlns:xbrldi="http://xbrl.org/2006/xbrldi" xmlns:xbrli="http://www.xbrl.org/2003/instance">        <xbrli:entity>            <xbrli:identifier scheme="http://ytj.fi">3095992-5</xbrli:identifier>        </xbrli:entity>        <xbrli:period>            <xbrli:instant>2022-12-31</xbrli:instant>        </xbrli:period>        <xbrli:scenario xmlns:xbrldi="http://xbrl.org/2006/xbrldi">            <xbrldi:explicitMember dimension="fi_dim:MCY" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">fi_MC:x8</xbrldi:explicitMember>            <xbrldi:explicitMember dimension="fi_dim:REF" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">fi_RF:x53</xbrldi:explicitMember>        </xbrli:scenario>    </xbrli:context>    <xbrli:context id="_ctx157"        xmlns:xbrldi="http://xbrl.org/2006/xbrldi" xmlns:xbrli="http://www.xbrl.org/2003/instance">        <xbrli:entity>            <xbrli:identifier scheme="http://ytj.fi">3095992-5</xbrli:identifier>        </xbrli:entity>        <xbrli:period>            <xbrli:instant>2022-12-31</xbrli:instant>        </xbrli:period>        <xbrli:scenario xmlns:xbrldi="http://xbrl.org/2006/xbrldi">            <xbrldi:explicitMember dimension="fi_dim:MCY" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">fi_MC:x9</xbrldi:explicitMember>            <xbrldi:explicitMember dimension="fi_dim:REF" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">fi_RF:x53</xbrldi:explicitMember>        </xbrli:scenario>    </xbrli:context>    <xbrli:context id="_ctx158"        xmlns:xbrldi="http://xbrl.org/2006/xbrldi" xmlns:xbrli="http://www.xbrl.org/2003/instance">        <xbrli:entity>            <xbrli:identifier scheme="http://ytj.fi">3095992-5</xbrli:identifier>        </xbrli:entity>        <xbrli:period>            <xbrli:instant>2022-12-31</xbrli:instant>        </xbrli:period>        <xbrli:scenario xmlns:xbrldi="http://xbrl.org/2006/xbrldi">            <xbrldi:explicitMember dimension="fi_dim:MCY" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">fi_MC:x5</xbrldi:explicitMember>            <xbrldi:explicitMember dimension="fi_dim:REF" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">fi_RF:x53</xbrldi:explicitMember>        </xbrli:scenario>    </xbrli:context>    <xbrli:context id="_ctx159"        xmlns:xbrldi="http://xbrl.org/2006/xbrldi" xmlns:xbrli="http://www.xbrl.org/2003/instance">        <xbrli:entity>            <xbrli:identifier scheme="http://ytj.fi">3095992-5</xbrli:identifier>        </xbrli:entity>        <xbrli:period>            <xbrli:instant>2022-12-31</xbrli:instant>        </xbrli:period>        <xbrli:scenario xmlns:xbrldi="http://xbrl.org/2006/xbrldi">            <xbrldi:explicitMember dimension="fi_dim:MCY" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">fi_MC:x449</xbrldi:explicitMember>            <xbrldi:explicitMember dimension="fi_dim:REF" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">fi_RF:x53</xbrldi:explicitMember>        </xbrli:scenario>    </xbrli:context>    <xbrli:context id="_ctx162"        xmlns:xbrldi="http://xbrl.org/2006/xbrldi" xmlns:xbrli="http://www.xbrl.org/2003/instance">        <xbrli:entity>            <xbrli:identifier scheme="http://ytj.fi">3095992-5</xbrli:identifier>        </xbrli:entity>        <xbrli:period>            <xbrli:instant>2022-12-31</xbrli:instant>        </xbrli:period>        <xbrli:scenario xmlns:xbrldi="http://xbrl.org/2006/xbrldi">            <xbrldi:explicitMember dimension="fi_dim:MCY" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">fi_MC:x448</xbrldi:explicitMember>            <xbrldi:explicitMember dimension="fi_dim:REF" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">fi_RF:x53</xbrldi:explicitMember>        </xbrli:scenario>    </xbrli:context>    <xbrli:context id="_ctx163"        xmlns:xbrldi="http://xbrl.org/2006/xbrldi" xmlns:xbrli="http://www.xbrl.org/2003/instance">        <xbrli:entity>            <xbrli:identifier scheme="http://ytj.fi">3095992-5</xbrli:identifier>        </xbrli:entity>        <xbrli:period>            <xbrli:instant>2022-12-31</xbrli:instant>        </xbrli:period>        <xbrli:scenario xmlns:xbrldi="http://xbrl.org/2006/xbrldi">            <xbrldi:explicitMember dimension="fi_dim:MCY" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">fi_MC:x1869</xbrldi:explicitMember>            <xbrldi:explicitMember dimension="fi_dim:REF" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">fi_RF:x53</xbrldi:explicitMember>        </xbrli:scenario>    </xbrli:context>    <xbrli:context id="_ctx164"        xmlns:xbrldi="http://xbrl.org/2006/xbrldi" xmlns:xbrli="http://www.xbrl.org/2003/instance">        <xbrli:entity>            <xbrli:identifier scheme="http://ytj.fi">3095992-5</xbrli:identifier>        </xbrli:entity>        <xbrli:period>            <xbrli:instant>2022-12-31</xbrli:instant>        </xbrli:period>        <xbrli:scenario xmlns:xbrldi="http://xbrl.org/2006/xbrldi">            <xbrldi:explicitMember dimension="fi_dim:MCY" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">fi_MC:x689</xbrldi:explicitMember>            <xbrldi:explicitMember dimension="fi_dim:REF" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">fi_RF:x53</xbrldi:explicitMember>        </xbrli:scenario>    </xbrli:context>    <xbrli:context id="_ctx172"        xmlns:xbrldi="http://xbrl.org/2006/xbrldi" xmlns:xbrli="http://www.xbrl.org/2003/instance">        <xbrli:entity>            <xbrli:identifier scheme="http://ytj.fi">3095992-5</xbrli:identifier>        </xbrli:entity>        <xbrli:period>            <xbrli:instant>2022-12-31</xbrli:instant>        </xbrli:period>        <xbrli:scenario xmlns:xbrldi="http://xbrl.org/2006/xbrldi">            <xbrldi:explicitMember dimension="fi_dim:MCY" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">fi_MC:x4014</xbrldi:explicitMember>            <xbrldi:explicitMember dimension="fi_dim:REF" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">fi_RF:x53</xbrldi:explicitMember>        </xbrli:scenario>    </xbrli:context>    <xbrli:context id="_ctx177"        xmlns:xbrldi="http://xbrl.org/2006/xbrldi" xmlns:xbrli="http://www.xbrl.org/2003/instance">        <xbrli:entity>            <xbrli:identifier scheme="http://ytj.fi">3095992-5</xbrli:identifier>        </xbrli:entity>        <xbrli:period>            <xbrli:instant>2022-12-31</xbrli:instant>        </xbrli:period>        <xbrli:scenario xmlns:xbrldi="http://xbrl.org/2006/xbrldi">            <xbrldi:explicitMember dimension="fi_dim:MCY" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">fi_MC:x4046</xbrldi:explicitMember>            <xbrldi:explicitMember dimension="fi_dim:REF" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">fi_RF:x53</xbrldi:explicitMember>        </xbrli:scenario>    </xbrli:context>    <xbrli:context id="_ctx178"        xmlns:xbrldi="http://xbrl.org/2006/xbrldi" xmlns:xbrli="http://www.xbrl.org/2003/instance">        <xbrli:entity>            <xbrli:identifier scheme="http://ytj.fi">3095992-5</xbrli:identifier>        </xbrli:entity>        <xbrli:period>            <xbrli:instant>2022-12-31</xbrli:instant>        </xbrli:period>        <xbrli:scenario xmlns:xbrldi="http://xbrl.org/2006/xbrldi">            <xbrldi:explicitMember dimension="fi_dim:MCY" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">fi_MC:x12</xbrldi:explicitMember>            <xbrldi:explicitMember dimension="fi_dim:REF" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">fi_RF:x53</xbrldi:explicitMember>        </xbrli:scenario>    </xbrli:context>    <xbrli:context id="_ctx179"        xmlns:xbrldi="http://xbrl.org/2006/xbrldi" xmlns:xbrli="http://www.xbrl.org/2003/instance">        <xbrli:entity>            <xbrli:identifier scheme="http://ytj.fi">3095992-5</xbrli:identifier>        </xbrli:entity>        <xbrli:period>            <xbrli:instant>2022-12-31</xbrli:instant>        </xbrli:period>        <xbrli:scenario xmlns:xbrldi="http://xbrl.org/2006/xbrldi">            <xbrldi:explicitMember dimension="fi_dim:MCY" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">fi_MC:x738</xbrldi:explicitMember>            <xbrldi:explicitMember dimension="fi_dim:REF" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">fi_RF:x53</xbrldi:explicitMember>        </xbrli:scenario>    </xbrli:context>    <xbrli:context id="_ctx185"        xmlns:xbrldi="http://xbrl.org/2006/xbrldi" xmlns:xbrli="http://www.xbrl.org/2003/instance">        <xbrli:entity>            <xbrli:identifier scheme="http://ytj.fi">3095992-5</xbrli:identifier>        </xbrli:entity>        <xbrli:period>            <xbrli:instant>2022-12-31</xbrli:instant>        </xbrli:period>        <xbrli:scenario xmlns:xbrldi="http://xbrl.org/2006/xbrldi">            <xbrldi:explicitMember dimension="fi_dim:MCY" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">fi_MC:x740</xbrldi:explicitMember>            <xbrldi:explicitMember dimension="fi_dim:REF" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">fi_RF:x53</xbrldi:explicitMember>        </xbrli:scenario>    </xbrli:context>    <xbrli:context id="_ctx198"        xmlns:xbrldi="http://xbrl.org/2006/xbrldi" xmlns:xbrli="http://www.xbrl.org/2003/instance">        <xbrli:entity>            <xbrli:identifier scheme="http://ytj.fi">3095992-5</xbrli:identifier>        </xbrli:entity>        <xbrli:period>            <xbrli:instant>2022-12-31</xbrli:instant>        </xbrli:period>        <xbrli:scenario xmlns:xbrldi="http://xbrl.org/2006/xbrldi">            <xbrldi:explicitMember dimension="fi_dim:MCY" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">fi_MC:x1036</xbrldi:explicitMember>            <xbrldi:explicitMember dimension="fi_dim:REF" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">fi_RF:x4</xbrldi:explicitMember>        </xbrli:scenario>    </xbrli:context>    <xbrli:context id="_ctx201"        xmlns:xbrldi="http://xbrl.org/2006/xbrldi" xmlns:xbrli="http://www.xbrl.org/2003/instance">        <xbrli:entity>            <xbrli:identifier scheme="http://ytj.fi">3095992-5</xbrli:identifier>        </xbrli:entity>        <xbrli:period>            <xbrli:instant>2022-12-31</xbrli:instant>        </xbrli:period>        <xbrli:scenario xmlns:xbrldi="http://xbrl.org/2006/xbrldi">            <xbrldi:explicitMember dimension="fi_dim:MCY" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">fi_MC:x816</xbrldi:explicitMember>            <xbrldi:explicitMember dimension="fi_dim:REF" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">fi_RF:x4</xbrldi:explicitMember>        </xbrli:scenario>    </xbrli:context>    <xbrli:context id="_ctx209"        xmlns:xbrldi="http://xbrl.org/2006/xbrldi" xmlns:xbrli="http://www.xbrl.org/2003/instance">        <xbrli:entity>            <xbrli:identifier scheme="http://ytj.fi">3095992-5</xbrli:identifier>        </xbrli:entity>        <xbrli:period>            <xbrli:instant>2022-12-31</xbrli:instant>        </xbrli:period>        <xbrli:scenario xmlns:xbrldi="http://xbrl.org/2006/xbrldi">            <xbrldi:explicitMember dimension="fi_dim:MCY" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">fi_MC:x513</xbrldi:explicitMember>            <xbrldi:explicitMember dimension="fi_dim:REF" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">fi_RF:x4</xbrldi:explicitMember>        </xbrli:scenario>    </xbrli:context>    <xbrli:context id="_ctx225"        xmlns:xbrldi="http://xbrl.org/2006/xbrldi" xmlns:xbrli="http://www.xbrl.org/2003/instance">        <xbrli:entity>            <xbrli:identifier scheme="http://ytj.fi">3095992-5</xbrli:identifier>        </xbrli:entity>        <xbrli:period>            <xbrli:instant>2022-12-31</xbrli:instant>        </xbrli:period>        <xbrli:scenario xmlns:xbrldi="http://xbrl.org/2006/xbrldi">            <xbrldi:explicitMember dimension="fi_dim:MCY" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">fi_MC:x1769</xbrldi:explicitMember>            <xbrldi:explicitMember dimension="fi_dim:REF" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">fi_RF:x4</xbrldi:explicitMember>        </xbrli:scenario>    </xbrli:context>    <xbrli:context id="_ctx229"        xmlns:xbrldi="http://xbrl.org/2006/xbrldi" xmlns:xbrli="http://www.xbrl.org/2003/instance">        <xbrli:entity>            <xbrli:identifier scheme="http://ytj.fi">3095992-5</xbrli:identifier>        </xbrli:entity>        <xbrli:period>            <xbrli:instant>2022-12-31</xbrli:instant>        </xbrli:period>        <xbrli:scenario xmlns:xbrldi="http://xbrl.org/2006/xbrldi">            <xbrldi:explicitMember dimension="fi_dim:MCY" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">fi_MC:x1771</xbrldi:explicitMember>            <xbrldi:explicitMember dimension="fi_dim:REF" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">fi_RF:x4</xbrldi:explicitMember>        </xbrli:scenario>    </xbrli:context>    <xbrli:context id="_ctx230"        xmlns:xbrldi="http://xbrl.org/2006/xbrldi" xmlns:xbrli="http://www.xbrl.org/2003/instance">        <xbrli:entity>            <xbrli:identifier scheme="http://ytj.fi">3095992-5</xbrli:identifier>        </xbrli:entity>        <xbrli:period>            <xbrli:instant>2022-12-31</xbrli:instant>        </xbrli:period>        <xbrli:scenario xmlns:xbrldi="http://xbrl.org/2006/xbrldi">            <xbrldi:explicitMember dimension="fi_dim:MCY" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">fi_MC:x1775</xbrldi:explicitMember>            <xbrldi:explicitMember dimension="fi_dim:REF" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">fi_RF:x4</xbrldi:explicitMember>        </xbrli:scenario>    </xbrli:context>    <xbrli:context id="_ctx231"        xmlns:xbrldi="http://xbrl.org/2006/xbrldi" xmlns:xbrli="http://www.xbrl.org/2003/instance">        <xbrli:entity>            <xbrli:identifier scheme="http://ytj.fi">3095992-5</xbrli:identifier>        </xbrli:entity>        <xbrli:period>            <xbrli:instant>2022-12-31</xbrli:instant>        </xbrli:period>        <xbrli:scenario xmlns:xbrldi="http://xbrl.org/2006/xbrldi">            <xbrldi:explicitMember dimension="fi_dim:MCY" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">fi_MC:x1768</xbrldi:explicitMember>            <xbrldi:explicitMember dimension="fi_dim:REF" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">fi_RF:x4</xbrldi:explicitMember>        </xbrli:scenario>    </xbrli:context>    <xbrli:context id="_ctx232"        xmlns:xbrldi="http://xbrl.org/2006/xbrldi" xmlns:xbrli="http://www.xbrl.org/2003/instance">        <xbrli:entity>            <xbrli:identifier scheme="http://ytj.fi">3095992-5</xbrli:identifier>        </xbrli:entity>        <xbrli:period>            <xbrli:instant>2022-12-31</xbrli:instant>        </xbrli:period>        <xbrli:scenario xmlns:xbrldi="http://xbrl.org/2006/xbrldi">            <xbrldi:explicitMember dimension="fi_dim:MCY" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">fi_MC:x438</xbrldi:explicitMember>            <xbrldi:explicitMember dimension="fi_dim:REF" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">fi_RF:x4</xbrldi:explicitMember>        </xbrli:scenario>    </xbrli:context>    <xbrli:context id="_ctx237"        xmlns:xbrldi="http://xbrl.org/2006/xbrldi" xmlns:xbrli="http://www.xbrl.org/2003/instance">        <xbrli:entity>            <xbrli:identifier scheme="http://ytj.fi">3095992-5</xbrli:identifier>        </xbrli:entity>        <xbrli:period>            <xbrli:instant>2022-12-31</xbrli:instant>        </xbrli:period>        <xbrli:scenario xmlns:xbrldi="http://xbrl.org/2006/xbrldi">            <xbrldi:explicitMember dimension="fi_dim:MCY" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">fi_MC:x399</xbrldi:explicitMember>            <xbrldi:explicitMember dimension="fi_dim:REF" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">fi_RF:x4</xbrldi:explicitMember>        </xbrli:scenario>    </xbrli:context>    <xbrli:context id="_ctx238"        xmlns:xbrldi="http://xbrl.org/2006/xbrldi" xmlns:xbrli="http://www.xbrl.org/2003/instance">        <xbrli:entity>            <xbrli:identifier scheme="http://ytj.fi">3095992-5</xbrli:identifier>        </xbrli:entity>        <xbrli:period>            <xbrli:instant>2022-12-31</xbrli:instant>        </xbrli:period>        <xbrli:scenario xmlns:xbrldi="http://xbrl.org/2006/xbrldi">            <xbrldi:explicitMember dimension="fi_dim:MCY" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">fi_MC:x435</xbrldi:explicitMember>            <xbrldi:explicitMember dimension="fi_dim:REF" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">fi_RF:x4</xbrldi:explicitMember>        </xbrli:scenario>    </xbrli:context>    <xbrli:context id="_ctx239"        xmlns:xbrldi="http://xbrl.org/2006/xbrldi" xmlns:xbrli="http://www.xbrl.org/2003/instance">        <xbrli:entity>            <xbrli:identifier scheme="http://ytj.fi">3095992-5</xbrli:identifier>        </xbrli:entity>        <xbrli:period>            <xbrli:instant>2022-12-31</xbrli:instant>        </xbrli:period>        <xbrli:scenario xmlns:xbrldi="http://xbrl.org/2006/xbrldi">            <xbrldi:explicitMember dimension="fi_dim:MCY" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">fi_MC:x360</xbrldi:explicitMember>            <xbrldi:explicitMember dimension="fi_dim:REF" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">fi_RF:x4</xbrldi:explicitMember>        </xbrli:scenario>    </xbrli:context>    <xbrli:context id="_ctx244"        xmlns:xbrldi="http://xbrl.org/2006/xbrldi" xmlns:xbrli="http://www.xbrl.org/2003/instance">        <xbrli:entity>            <xbrli:identifier scheme="http://ytj.fi">3095992-5</xbrli:identifier>        </xbrli:entity>        <xbrli:period>            <xbrli:instant>2022-12-31</xbrli:instant>        </xbrli:period>        <xbrli:scenario xmlns:xbrldi="http://xbrl.org/2006/xbrldi">            <xbrldi:explicitMember dimension="fi_dim:MCY" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">fi_MC:x924</xbrldi:explicitMember>            <xbrldi:explicitMember dimension="fi_dim:REF" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">fi_RF:x4</xbrldi:explicitMember>        </xbrli:scenario>    </xbrli:context>    <xbrli:context id="_ctx249"        xmlns:xbrldi="http://xbrl.org/2006/xbrldi" xmlns:xbrli="http://www.xbrl.org/2003/instance">        <xbrli:entity>            <xbrli:identifier scheme="http://ytj.fi">3095992-5</xbrli:identifier>        </xbrli:entity>        <xbrli:period>            <xbrli:instant>2022-12-31</xbrli:instant>        </xbrli:period>        <xbrli:scenario xmlns:xbrldi="http://xbrl.org/2006/xbrldi">            <xbrldi:explicitMember dimension="fi_dim:MCY" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">fi_MC:x932</xbrldi:explicitMember>            <xbrldi:explicitMember dimension="fi_dim:REF" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">fi_RF:x4</xbrldi:explicitMember>        </xbrli:scenario>    </xbrli:context>    <xbrli:context id="_ctx250"        xmlns:xbrldi="http://xbrl.org/2006/xbrldi" xmlns:xbrli="http://www.xbrl.org/2003/instance">        <xbrli:entity>            <xbrli:identifier scheme="http://ytj.fi">3095992-5</xbrli:identifier>        </xbrli:entity>        <xbrli:period>            <xbrli:instant>2022-12-31</xbrli:instant>        </xbrli:period>        <xbrli:scenario xmlns:xbrldi="http://xbrl.org/2006/xbrldi">            <xbrldi:explicitMember dimension="fi_dim:MCY" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">fi_MC:x2895</xbrldi:explicitMember>            <xbrldi:explicitMember dimension="fi_dim:REF" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">fi_RF:x4</xbrldi:explicitMember>        </xbrli:scenario>    </xbrli:context>    <xbrli:context id="_ctx252"        xmlns:xbrldi="http://xbrl.org/2006/xbrldi" xmlns:xbrli="http://www.xbrl.org/2003/instance">        <xbrli:entity>            <xbrli:identifier scheme="http://ytj.fi">3095992-5</xbrli:identifier>        </xbrli:entity>        <xbrli:period>            <xbrli:instant>2022-12-31</xbrli:instant>        </xbrli:period>        <xbrli:scenario xmlns:xbrldi="http://xbrl.org/2006/xbrldi">            <xbrldi:explicitMember dimension="fi_dim:MCY" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">fi_MC:x376</xbrldi:explicitMember>            <xbrldi:explicitMember dimension="fi_dim:REF" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">fi_RF:x4</xbrldi:explicitMember>        </xbrli:scenario>    </xbrli:context>    <xbrli:context id="_ctx262"        xmlns:xbrldi="http://xbrl.org/2006/xbrldi" xmlns:xbrli="http://www.xbrl.org/2003/instance">        <xbrli:entity>            <xbrli:identifier scheme="http://ytj.fi">3095992-5</xbrli:identifier>        </xbrli:entity>        <xbrli:period>            <xbrli:instant>2022-12-31</xbrli:instant>        </xbrli:period>        <xbrli:scenario xmlns:xbrldi="http://xbrl.org/2006/xbrldi">            <xbrldi:explicitMember dimension="fi_dim:MCY" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">fi_MC:x2934</xbrldi:explicitMember>            <xbrldi:explicitMember dimension="fi_dim:REF" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">fi_RF:x4</xbrldi:explicitMember>        </xbrli:scenario>    </xbrli:context>    <xbrli:context id="_ctx265"        xmlns:xbrldi="http://xbrl.org/2006/xbrldi" xmlns:xbrli="http://www.xbrl.org/2003/instance">        <xbrli:entity>            <xbrli:identifier scheme="http://ytj.fi">3095992-5</xbrli:identifier>        </xbrli:entity>        <xbrli:period>            <xbrli:instant>2022-12-31</xbrli:instant>        </xbrli:period>        <xbrli:scenario xmlns:xbrldi="http://xbrl.org/2006/xbrldi">            <xbrldi:explicitMember dimension="fi_dim:MCY" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">fi_MC:x1806</xbrldi:explicitMember>            <xbrldi:explicitMember dimension="fi_dim:REF" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">fi_RF:x4</xbrldi:explicitMember>        </xbrli:scenario>    </xbrli:context>    <xbrli:context id="_ctx272"        xmlns:xbrldi="http://xbrl.org/2006/xbrldi" xmlns:xbrli="http://www.xbrl.org/2003/instance">        <xbrli:entity>            <xbrli:identifier scheme="http://ytj.fi">3095992-5</xbrli:identifier>        </xbrli:entity>        <xbrli:period>            <xbrli:instant>2022-12-31</xbrli:instant>        </xbrli:period>        <xbrli:scenario xmlns:xbrldi="http://xbrl.org/2006/xbrldi">            <xbrldi:explicitMember dimension="fi_dim:MCY" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">fi_MC:x1830</xbrldi:explicitMember>            <xbrldi:explicitMember dimension="fi_dim:REF" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">fi_RF:x4</xbrldi:explicitMember>        </xbrli:scenario>    </xbrli:context>    <xbrli:context id="_ctx276"        xmlns:xbrldi="http://xbrl.org/2006/xbrldi" xmlns:xbrli="http://www.xbrl.org/2003/instance">        <xbrli:entity>            <xbrli:identifier scheme="http://ytj.fi">3095992-5</xbrli:identifier>        </xbrli:entity>        <xbrli:period>            <xbrli:instant>2022-12-31</xbrli:instant>        </xbrli:period>        <xbrli:scenario xmlns:xbrldi="http://xbrl.org/2006/xbrldi">            <xbrldi:explicitMember dimension="fi_dim:MCY" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">fi_MC:x3023</xbrldi:explicitMember>            <xbrldi:explicitMember dimension="fi_dim:REF" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">fi_RF:x4</xbrldi:explicitMember>        </xbrli:scenario>    </xbrli:context>    <xbrli:context id="_ctx278"        xmlns:xbrldi="http://xbrl.org/2006/xbrldi" xmlns:xbrli="http://www.xbrl.org/2003/instance">        <xbrli:entity>            <xbrli:identifier scheme="http://ytj.fi">3095992-5</xbrli:identifier>        </xbrli:entity>        <xbrli:period>            <xbrli:instant>2022-12-31</xbrli:instant>        </xbrli:period>        <xbrli:scenario xmlns:xbrldi="http://xbrl.org/2006/xbrldi">            <xbrldi:explicitMember dimension="fi_dim:MCY" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">fi_MC:x1818</xbrldi:explicitMember>            <xbrldi:explicitMember dimension="fi_dim:REF" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">fi_RF:x4</xbrldi:explicitMember>        </xbrli:scenario>    </xbrli:context>    <xbrli:context id="_ctx281"        xmlns:xbrldi="http://xbrl.org/2006/xbrldi" xmlns:xbrli="http://www.xbrl.org/2003/instance">        <xbrli:entity>            <xbrli:identifier scheme="http://ytj.fi">3095992-5</xbrli:identifier>        </xbrli:entity>        <xbrli:period>            <xbrli:instant>2022-12-31</xbrli:instant>        </xbrli:period>        <xbrli:scenario xmlns:xbrldi="http://xbrl.org/2006/xbrldi">            <xbrldi:explicitMember dimension="fi_dim:MCY" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">fi_MC:x1819</xbrldi:explicitMember>            <xbrldi:explicitMember dimension="fi_dim:REF" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">fi_RF:x4</xbrldi:explicitMember>        </xbrli:scenario>    </xbrli:context>    <xbrli:context id="_ctx283"        xmlns:xbrldi="http://xbrl.org/2006/xbrldi" xmlns:xbrli="http://www.xbrl.org/2003/instance">        <xbrli:entity>            <xbrli:identifier scheme="http://ytj.fi">3095992-5</xbrli:identifier>        </xbrli:entity>        <xbrli:period>            <xbrli:instant>2022-12-31</xbrli:instant>        </xbrli:period>        <xbrli:scenario xmlns:xbrldi="http://xbrl.org/2006/xbrldi">            <xbrldi:explicitMember dimension="fi_dim:MCY" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">fi_MC:x1825</xbrldi:explicitMember>            <xbrldi:explicitMember dimension="fi_dim:REF" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">fi_RF:x4</xbrldi:explicitMember>        </xbrli:scenario>    </xbrli:context>    <xbrli:context id="_ctx284"        xmlns:xbrldi="http://xbrl.org/2006/xbrldi" xmlns:xbrli="http://www.xbrl.org/2003/instance">        <xbrli:entity>            <xbrli:identifier scheme="http://ytj.fi">3095992-5</xbrli:identifier>        </xbrli:entity>        <xbrli:period>            <xbrli:instant>2022-12-31</xbrli:instant>        </xbrli:period>        <xbrli:scenario xmlns:xbrldi="http://xbrl.org/2006/xbrldi">            <xbrldi:explicitMember dimension="fi_dim:MCY" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">fi_MC:x1826</xbrldi:explicitMember>            <xbrldi:explicitMember dimension="fi_dim:REF" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">fi_RF:x4</xbrldi:explicitMember>        </xbrli:scenario>    </xbrli:context>    <xbrli:context id="_ctx285"        xmlns:xbrldi="http://xbrl.org/2006/xbrldi" xmlns:xbrli="http://www.xbrl.org/2003/instance">        <xbrli:entity>            <xbrli:identifier scheme="http://ytj.fi">3095992-5</xbrli:identifier>        </xbrli:entity>        <xbrli:period>            <xbrli:instant>2022-12-31</xbrli:instant>        </xbrli:period>        <xbrli:scenario xmlns:xbrldi="http://xbrl.org/2006/xbrldi">            <xbrldi:explicitMember dimension="fi_dim:MCY" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">fi_MC:x1811</xbrldi:explicitMember>            <xbrldi:explicitMember dimension="fi_dim:REF" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">fi_RF:x4</xbrldi:explicitMember>        </xbrli:scenario>    </xbrli:context>    <xbrli:context id="_ctx286"        xmlns:xbrldi="http://xbrl.org/2006/xbrldi" xmlns:xbrli="http://www.xbrl.org/2003/instance">        <xbrli:entity>            <xbrli:identifier scheme="http://ytj.fi">3095992-5</xbrli:identifier>        </xbrli:entity>        <xbrli:period>            <xbrli:instant>2022-12-31</xbrli:instant>        </xbrli:period>        <xbrli:scenario xmlns:xbrldi="http://xbrl.org/2006/xbrldi">            <xbrldi:explicitMember dimension="fi_dim:MCY" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">fi_MC:x424</xbrldi:explicitMember>            <xbrldi:explicitMember dimension="fi_dim:REF" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">fi_RF:x4</xbrldi:explicitMember>        </xbrli:scenario>    </xbrli:context>    <xbrli:context id="_ctx287"        xmlns:xbrldi="http://xbrl.org/2006/xbrldi" xmlns:xbrli="http://www.xbrl.org/2003/instance">        <xbrli:entity>            <xbrli:identifier scheme="http://ytj.fi">3095992-5</xbrli:identifier>        </xbrli:entity>        <xbrli:period>            <xbrli:instant>2022-12-31</xbrli:instant>        </xbrli:period>        <xbrli:scenario xmlns:xbrldi="http://xbrl.org/2006/xbrldi">            <xbrldi:explicitMember dimension="fi_dim:MCY" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">fi_MC:x481</xbrldi:explicitMember>            <xbrldi:explicitMember dimension="fi_dim:REF" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">fi_RF:x4</xbrldi:explicitMember>        </xbrli:scenario>    </xbrli:context>    <xbrli:unit id="ISO4217_EUR" xmlns:xbrli="http://www.xbrl.org/2003/instance">        <xbrli:measure>iso4217:EUR</xbrli:measure>    </xbrli:unit>    <fi_met:si168 contextRef="_ctx1">Rakennus- ja Saneeraus Rantakari Oy</fi_met:si168>    <fi_met:di120 contextRef="_ctx1">2023-01-01</fi_met:di120>    <fi_met:di121 contextRef="_ctx1">2023-12-31</fi_met:di121>    <fi_met:si289 contextRef="_ctx1">3095992-5</fi_met:si289>    <fi_met:mi53 contextRef="_ctx55" decimals="2" unitRef="ISO4217_EUR">9130.06</fi_met:mi53>    <fi_met:mi53 contextRef="_ctx198" decimals="2" unitRef="ISO4217_EUR">12173.41</fi_met:mi53>    <fi_met:mi53 contextRef="_ctx58" decimals="2" unitRef="ISO4217_EUR">9130.06</fi_met:mi53>    <fi_met:mi53 contextRef="_ctx201" decimals="2" unitRef="ISO4217_EUR">12173.41</fi_met:mi53>    <fi_met:mi53 contextRef="_ctx66" decimals="2" unitRef="ISO4217_EUR">9130.06</fi_met:mi53>    <fi_met:mi53 contextRef="_ctx209" decimals="2" unitRef="ISO4217_EUR">12173.41</fi_met:mi53>    <fi_met:mi53 contextRef="_ctx82" decimals="2" unitRef="ISO4217_EUR">11150.14</fi_met:mi53>    <fi_met:mi53 contextRef="_ctx225" decimals="2" unitRef="ISO4217_EUR">3307.02</fi_met:mi53>    <fi_met:mi53 contextRef="_ctx86" decimals="2" unitRef="ISO4217_EUR">1712.23</fi_met:mi53>    <fi_met:mi53 contextRef="_ctx229" decimals="2" unitRef="ISO4217_EUR">7307.83</fi_met:mi53>    <fi_met:mi53 contextRef="_ctx87" decimals="2" unitRef="ISO4217_EUR">1596.64</fi_met:mi53>    <fi_met:mi53 contextRef="_ctx230" decimals="2" unitRef="ISO4217_EUR">325.22</fi_met:mi53>    <fi_met:mi53 contextRef="_ctx88" decimals="2" unitRef="ISO4217_EUR">14459.01</fi_met:mi53>    <fi_met:mi53 contextRef="_ctx231" decimals="2" unitRef="ISO4217_EUR">10940.07</fi_met:mi53>    <fi_met:mi53 contextRef="_ctx89" decimals="2" unitRef="ISO4217_EUR">14459.01</fi_met:mi53>    <fi_met:mi53 contextRef="_ctx232" decimals="2" unitRef="ISO4217_EUR">10940.07</fi_met:mi53>    <fi_met:mi53 contextRef="_ctx94" decimals="2" unitRef="ISO4217_EUR">12571.58</fi_met:mi53>    <fi_met:mi53 contextRef="_ctx237" decimals="2" unitRef="ISO4217_EUR">21911.73</fi_met:mi53>    <fi_met:mi53 contextRef="_ctx95" decimals="2" unitRef="ISO4217_EUR">27030.59</fi_met:mi53>    <fi_met:mi53 contextRef="_ctx238" decimals="2" unitRef="ISO4217_EUR">32851.80</fi_met:mi53>    <fi_met:mi53 contextRef="_ctx96" decimals="2" unitRef="ISO4217_EUR">36160.65</fi_met:mi53>    <fi_met:mi53 contextRef="_ctx239" decimals="2" unitRef="ISO4217_EUR">45025.21</fi_met:mi53>    <fi_met:mi53 contextRef="_ctx101" decimals="2" unitRef="ISO4217_EUR">6000.00</fi_met:mi53>    <fi_met:mi53 contextRef="_ctx244" decimals="2" unitRef="ISO4217_EUR">6000.00</fi_met:mi53>    <fi_met:mi53 contextRef="_ctx106" decimals="2" unitRef="ISO4217_EUR">3879.66</fi_met:mi53>    <fi_met:mi53 contextRef="_ctx249" decimals="2" unitRef="ISO4217_EUR">-1446.40</fi_met:mi53>    <fi_met:mi53 contextRef="_ctx107" decimals="2" unitRef="ISO4217_EUR">-15643.49</fi_met:mi53>    <fi_met:mi53 contextRef="_ctx250" decimals="2" unitRef="ISO4217_EUR">6185.16</fi_met:mi53>    <fi_met:mi53 contextRef="_ctx109" decimals="2" unitRef="ISO4217_EUR">-5763.83</fi_met:mi53>    <fi_met:mi53 contextRef="_ctx252" decimals="2" unitRef="ISO4217_EUR">10738.76</fi_met:mi53>    <fi_met:mi53 contextRef="_ctx119" decimals="2" unitRef="ISO4217_EUR">4481.73</fi_met:mi53>    <fi_met:mi53 contextRef="_ctx262" decimals="2" unitRef="ISO4217_EUR">8750.34</fi_met:mi53>    <fi_met:mi53 contextRef="_ctx122" decimals="2" unitRef="ISO4217_EUR">0.00</fi_met:mi53>    <fi_met:mi53 contextRef="_ctx265" decimals="2" unitRef="ISO4217_EUR">2311.51</fi_met:mi53>    <fi_met:mi53 contextRef="_ctx129" decimals="2" unitRef="ISO4217_EUR">4481.73</fi_met:mi53>    <fi_met:mi53 contextRef="_ctx272" decimals="2" unitRef="ISO4217_EUR">11061.85</fi_met:mi53>    <fi_met:mi53 contextRef="_ctx133" decimals="2" unitRef="ISO4217_EUR">3840.00</fi_met:mi53>    <fi_met:mi53 contextRef="_ctx276" decimals="2" unitRef="ISO4217_EUR">3624.00</fi_met:mi53>    <fi_met:mi53 contextRef="_ctx135" decimals="2" unitRef="ISO4217_EUR">36.01</fi_met:mi53>    <fi_met:mi53 contextRef="_ctx278" decimals="2" unitRef="ISO4217_EUR">0.00</fi_met:mi53>    <fi_met:mi53 contextRef="_ctx138" decimals="2" unitRef="ISO4217_EUR">13910.80</fi_met:mi53>    <fi_met:mi53 contextRef="_ctx281" decimals="2" unitRef="ISO4217_EUR">6219.04</fi_met:mi53>    <fi_met:mi53 contextRef="_ctx140" decimals="2" unitRef="ISO4217_EUR">14581.39</fi_met:mi53>    <fi_met:mi53 contextRef="_ctx283" decimals="2" unitRef="ISO4217_EUR">7407.22</fi_met:mi53>    <fi_met:mi53 contextRef="_ctx141" decimals="2" unitRef="ISO4217_EUR">5074.55</fi_met:mi53>    <fi_met:mi53 contextRef="_ctx284" decimals="2" unitRef="ISO4217_EUR">5974.34</fi_met:mi53>    <fi_met:mi53 contextRef="_ctx142" decimals="2" unitRef="ISO4217_EUR">37442.75</fi_met:mi53>    <fi_met:mi53 contextRef="_ctx285" decimals="2" unitRef="ISO4217_EUR">23224.60</fi_met:mi53>    <fi_met:mi53 contextRef="_ctx143" decimals="2" unitRef="ISO4217_EUR">41924.48</fi_met:mi53>    <fi_met:mi53 contextRef="_ctx286" decimals="2" unitRef="ISO4217_EUR">34286.45</fi_met:mi53>    <fi_met:mi53 contextRef="_ctx144" decimals="2" unitRef="ISO4217_EUR">36160.65</fi_met:mi53>    <fi_met:mi53 contextRef="_ctx287" decimals="2" unitRef="ISO4217_EUR">45025.21</fi_met:mi53>    <fi_met:md103 contextRef="_ctx2" decimals="2" unitRef="ISO4217_EUR">305963.23</fi_met:md103>    <fi_met:md103 contextRef="_ctx145" decimals="2" unitRef="ISO4217_EUR">347504.31</fi_met:md103>    <fi_met:md103 contextRef="_ctx5" decimals="2" unitRef="ISO4217_EUR">260.34</fi_met:md103>    <fi_met:md103 contextRef="_ctx148" decimals="2" unitRef="ISO4217_EUR">0.00</fi_met:md103>    <fi_met:md103 contextRef="_ctx7" decimals="2" unitRef="ISO4217_EUR">-54882.58</fi_met:md103>    <fi_met:md103 contextRef="_ctx150" decimals="2" unitRef="ISO4217_EUR">-64550.21</fi_met:md103>    <fi_met:md103 contextRef="_ctx9" decimals="2" unitRef="ISO4217_EUR">-61754.41</fi_met:md103>    <fi_met:md103 contextRef="_ctx152" decimals="2" unitRef="ISO4217_EUR">-35852.02</fi_met:md103>    <fi_met:md103 contextRef="_ctx10" decimals="2" unitRef="ISO4217_EUR">-116636.99</fi_met:md103>    <fi_met:md103 contextRef="_ctx153" decimals="2" unitRef="ISO4217_EUR">-100402.23</fi_met:md103>    <fi_met:md103 contextRef="_ctx11" decimals="2" unitRef="ISO4217_EUR">-114476.02</fi_met:md103>    <fi_met:md103 contextRef="_ctx154" decimals="2" unitRef="ISO4217_EUR">-145890.60</fi_met:md103>    <fi_met:md103 contextRef="_ctx13" decimals="2" unitRef="ISO4217_EUR">-21656.02</fi_met:md103>    <fi_met:md103 contextRef="_ctx156" decimals="2" unitRef="ISO4217_EUR">-27012.20</fi_met:md103>    <fi_met:md103 contextRef="_ctx14" decimals="2" unitRef="ISO4217_EUR">-8351.67</fi_met:md103>    <fi_met:md103 contextRef="_ctx157" decimals="2" unitRef="ISO4217_EUR">-7552.98</fi_met:md103>    <fi_met:md103 contextRef="_ctx15" decimals="2" unitRef="ISO4217_EUR">-144483.71</fi_met:md103>    <fi_met:md103 contextRef="_ctx158" decimals="2" unitRef="ISO4217_EUR">-180455.78</fi_met:md103>    <fi_met:md103 contextRef="_ctx16" decimals="2" unitRef="ISO4217_EUR">-3043.35</fi_met:md103>    <fi_met:md103 contextRef="_ctx159" decimals="2" unitRef="ISO4217_EUR">-4057.80</fi_met:md103>    <fi_met:md103 contextRef="_ctx19" decimals="2" unitRef="ISO4217_EUR">-3043.35</fi_met:md103>    <fi_met:md103 contextRef="_ctx162" decimals="2" unitRef="ISO4217_EUR">-4057.80</fi_met:md103>    <fi_met:md103 contextRef="_ctx20" decimals="2" unitRef="ISO4217_EUR">-56172.05</fi_met:md103>    <fi_met:md103 contextRef="_ctx163" decimals="2" unitRef="ISO4217_EUR">-54806.19</fi_met:md103>    <fi_met:md103 contextRef="_ctx21" decimals="2" unitRef="ISO4217_EUR">-14112.53</fi_met:md103>    <fi_met:md103 contextRef="_ctx164" decimals="2" unitRef="ISO4217_EUR">7782.31</fi_met:md103>    <fi_met:md103 contextRef="_ctx29" decimals="2" unitRef="ISO4217_EUR">27.76</fi_met:md103>    <fi_met:md103 contextRef="_ctx172" decimals="2" unitRef="ISO4217_EUR">29.87</fi_met:md103>    <fi_met:md103 contextRef="_ctx34" decimals="2" unitRef="ISO4217_EUR">-1558.72</fi_met:md103>    <fi_met:md103 contextRef="_ctx177" decimals="2" unitRef="ISO4217_EUR">-1627.02</fi_met:md103>    <fi_met:md103 contextRef="_ctx35" decimals="2" unitRef="ISO4217_EUR">-1530.96</fi_met:md103>    <fi_met:md103 contextRef="_ctx178" decimals="2" unitRef="ISO4217_EUR">-1597.15</fi_met:md103>    <fi_met:md103 contextRef="_ctx36" decimals="2" unitRef="ISO4217_EUR">-15643.49</fi_met:md103>    <fi_met:md103 contextRef="_ctx179" decimals="2" unitRef="ISO4217_EUR">6185.16</fi_met:md103>    <fi_met:md103 contextRef="_ctx42" decimals="2" unitRef="ISO4217_EUR">-15643.49</fi_met:md103>    <fi_met:md103 contextRef="_ctx185" decimals="2" unitRef="ISO4217_EUR">6185.16</fi_met:md103></xbrli:xbrl>