no problem. So there was some challenges that that we explored. One was regulation, and how the regulator is either suppressing interchange and reducing the amount that you can charge on merchants, so thus suppressing the margins that you can then there is you've launched your digital app, which is great. But then we're seeing multiple other banks launch other digital propositions. We're seeing fintechs also launch the competition is getting more difficult, right? And then you're also looking at different ways in order to make money. So those were those, those, I think the things that we, we, yes, you remember, thanks for the money. No problem. We, you know, we had a few drinks at the time. So laughing. Mr. Baxter, yeah. Okay, so, um, so look, I know you might be thinking in this position, right? Let's talk about solution. How do we make more money, right? Is there a last time you were in the client forum, we presented some risk solutions, and you might be thinking, okay, maybe we could explore increasing our E commerce volumes, right? However, today, what we might actually want to do step back a little bit and look at it from kind of regional trends perspective for a bank and and look at other opportunities that we may we could explore, and our team will dig a little bit deeper. But one thing I just wanted to bring up was other business opportunities that are growing on the region. I mean, did you realize that there's actually 2 million remittances going out of FinTech apps a month, and they're growing at 30% annually, and the margins are between five to 10% in that and actually, LCB hasn't got that remittance basin at the moment, what would you think about that?