Let's think about how an investment bank works. So in many ways, an investment bank is like a dating agency. So it brings together investor clients looking to invest money with issuer clients looking to raise money. And you'll notice those clients are the same entities so corporations, governments, and individuals. In fact, an investment bank will bring them together by intermediating through the capital markets. Let's think about how an investment bank actually helps. Well, very broadly in order to maximize the profit for shareholders, what a corporation will try and do is maximize its return on capital while trying to minimize its cost of capital. And an investment bank can add real value here. So if we think about trying to maximize the return on capital, the financial advisory M and A team within an investment bank can help a company make acquisitions to enhance returns. May also look at giving advice on divestitures disposals again to enhance returns. When we think about the cost of capital an investment bank can give advice on reducing the cost of debt or managing the relationship, the proportion of debt and equity, to lower the weighted average cost of capital. In addition, they may give advice on derivatives to manage risk for commodities and foreign exchange.