So here we have the complete overlay bank solution. I'm sitting on top of the solution at the Regional Treasury Center. I'm viewing the balances looking at my treasury account. What you'll see is that every day from the local Spanish and the local Italian bank, I'm viewing an MT940 statement, which is telling me what the predicted end of day position is going to be at the local Spanish and Italian bank. Also tells me of all the different transaction flows going through, and if I happen to have any information at head office of anything else that can be expected, I can make those adjustments. Then from head office at the Regional Treasury Center, I use my electronic banking platform with XYZ bank and I send an MT101 a request to transfer money from the Spanish or the Italian local bank. But this time I'm actually just transferring the funds to the local bank of XYZ bank in either Spain or Italy. This is now an in border payment into the infrastructure of XYZ bank, global regional bank. Then once the funds are being received within XYZ bank, whether that be in Spain or Italy, there will then be an end of day suite within XYZ bank from Spain or Italy back to where I'm holding my treasury accounts. Now the big question you're probably are asking is why have I got that extra layer of bank accounts? Well, as we've already mentioned, it means that the, the transfer from the local Spanish bank or the local Italian bank into XYZ bank is an in-border payment. This reduces your transaction fees from the local Spanish and Italian bank. It also means you can do the transfer at the latest possible time within that country. So it's probably typically one to two hours later than if it was going cross border. Another reason is that once it's within XYZ bank, I can transfer funds within XYZ bank as book to book transfers. So these can happen much later in the day than the local cutoff time. This means within my treasury, I am maximizing the value of any surpluses and minimizing the impact of any deficit.