Man Reminices About Sex in Subtitles

So we're looking at this commercial in which an older couple is having a conversation but it's subtitled because, well, after you're in a relationship for a long time, one assume everything's already been said but e can't figure out what the ad's trying to say. But the end of the ad with it's tagline, "A real relationship is built over time," all is apparently explained. While it's true a solid relationship does take time to build but as a person looking for banking services, does anyone want their bank to take 40 years to "understand" them?

Oh screw that, the ad's funny. The ad was created by Duval Guillaume in Belgium.