So looking at the pros and cons of notional of pooling, central bank approval is always required. You must make sure you get the same right of set off, same value dating, and you're gonna need multilateral cross guarantees between the legal entities. Now, advantages are that cash stays in each of the bank accounts. With cash staying in each of the bank accounts, it means that each legal entity's account has not been touched. Therefore, we're not establishing intercompany loans. It also means that facilitating of interest reapportionment is a relatively easy exercise. And very importantly, there is the potential of legal set off on the bank balance sheet. The disadvantages are a separate treasury account is required. If a separate treasury account isn't used, the lead account will end up being cross-contaminated. And another disadvantage of notional pooling is that all the cash has to be in the one financial center to actually be allowed to do notional pooling. We have a health warning here with regulation changing and with Basel three and four, it getting much more difficult to get full set off.