Yeah, good seeing you again, Mr. Chairman, and good seeing you guys as well. It was great seeing you at the airport, and I hope you enjoyed the forum. I've brought my colleagues today. I've got caddy and I've also got my other colleague, Annie there from our visa consulting and analytics team, the conversation we had, geez, it really lingered in my mind at the airport. And you raised a number of interesting points in terms of the challenges and potential opportunities that the bank is currently facing. There are a number of buckets. And if I could summarize, I think you spoke about, you know, the FinTech landscape. And I love the words that you used to that they were potentially eating your lunch. That was a very interesting analogy. But also the regulatory environment, you know, and eating, you know, the potential margins with, you know, policy, etc. You also spoke about cost cutting as well, and the banks need to cost cut, and obviously just looking at different avenues for potential revenue growth and diversifying your revenue. So obviously, I took that back to our team, and I looked at and I said, team, how can we assist the bank with trying to, you know, deal with all of these different buckets. And the word that just came to mind was capacity. It seemed that, you know, the bank from a capacity perspective, you know, there would be good potential for visa to come in and assist, as we did with the with the app and transaction controls. And I think, you know, we partnered really well with the IT team. So kudos to your team. The IT guys were phenomenal, and even the issuing guys were phenomenal in that project. And we've really seen great feedback, not only from, I believe, your your customer base on the app, but the collaboration between the two entities. So I think we looked at it and we said, how else can we come in and provide additional capacity for the bank. And what we proposed, or what we came up with, was to maybe look at a potential consulting and analytics engagement that we could possibly start with. Because I think when we spoke to you, you know, using our visa technology, we started off at a high level on a 40 font view with what you gave us. And we said, how can we get down to a 20 font view and see, how can we actually get a bit more into the detail and a deeper level on unpacking some of the challenges that you came up with. So we identified, you know, two potential buckets from our consulting and analytics team where we think we could add some value