What are you doing? What's your main focus yourself? And also, how are you interacting with those financial planning companies to understand how to improve their businesses?

So I joined 18 months ago.

The key purpose for me joining was to build digital product development as the DNA of how we run our company.

And we didn't have that before.

We had people who had knowledge of that, but we were mainly working with partners to build our software.

Now, one of the challenges with that, if you don't have digital as part of your DNA now, you cannot build those products and services that your customers need.

So we've hired about another 70 to 80 people into our product and technology company, and that is all digital.

But why might that be? And also, what have you done in the last 18 months to make some really good improvements?