What are the sort of, are there any tips you

can share around that? For sure.

So the thing with business owners is that, to state the obvious, they're not employed and therefore they're not generally offered the sort of benefits that one might be if you work for them.

Lloyd's Bank, then you're going to get pension put away for you.

You're going to be offered private medical cover.

You're going to have sick pay that covers you for 70% of your earnings for a year or whatever it might be.

If you're off work, you have death in service.

What's that transition been like for you? We've changed locks.