So on this slide regarding the global banking solution, you'll see that the treasury accounts are still with XYZ bank, as well as my operating accounts in France and Germany being with XYZ bank. You'll notice that I have no need for MT940 information to be sent to me from the, about the operating accounts, and I have no need to send SWIFT MT101 messages to the banker of the operating accounts. Why you ask? Well, it's because I can do it all within infrastructure of XYZ bank. There is no need for SWIFT messages. I just use the one electronic banking platform. It in turn sends messages direct to the operating bank accounts within France and Germany. Whether that be information of what is the status of my account there, or whether that be for me to do, undertake a certain type of transaction, all the cross border sweeps are now within XYZ bank. This means the cutoff times will be as late as possible, and in reality, probably book to book transfers. It will enable XYZ bank to absolutely minimize the risk of any overdraft on an operating account and will ensure that maximum value is received within my treasury accounts with regards to any surpluses. This really is the utopian solution for most corporates with their banks. It's also the best solution for most banks if they have the ability to offer this to their corporates because it means the bank is able to take full responsibility for everything on behalf of that corporate.