But could you start off by telling us how did you end up where you are now? And then maybe sort of explain a bit about what

Baylor does.

Yeah, no, they're happy to.

And yeah, so I'm, you can tell by the grey hair and you can't thankfully see the thinning bit at the back.

I spent sort of 25 plus years in big global financial services.

And that really was through, in some ways, actually not by design.

I didn't set out to be a banker, but I fell into banking sort of as a, I was actually training to do car design actually at the time.

So are you thinking about this from a sovereign capability perspective, both for companies, for individuals, for nation states?