Okay. To complete the indigenous bank solution, we now have a regional bank, XYZ bank. So as corporate treasurer, I communicate to XYZ bank all of my transaction flows. And XYZ bank is where I am concentrating my balances to my treasury accounts. So the first thing that happens is that the indigenous bank sends an MT940 to the regional bank. The MT940 is account information, so balances and transaction flows going through those accounts. I as the corporate treasurer, just look at the electronic banking platform that I have in play with my regional bank. From this I see that I have long funds. So I will request for funds to be transferred an MT101 message to be sent from my regional bank to my local to the local bank. The local bank will then send an MT103 payment, the actual funds into the treasury accounts in the regional center. If when I got the MT940, I saw my balances were short, then I will go to my treasury accounts. I will request an MT103 payment to be sent to ensure the indigenous bank's balance is kept at the minimum that I have agreed with them. Now, all of these transaction flows are subject to the cutoff times of the local banks being able to send funds to my regional bank on a same day basis. Versa, the cutoff times from my regional bank to send funds to the indigenous banks. These cutoff times may vary from bank to bank.