Would it be useful, Ed, just to explain what non-financial risk versus financial risk is? It's obvious to some, but not to all.

Yeah, okay.

So financial risk is essentially the prudential capital management of an organisation.

So it's making sure that you've got capital and liquidity and funding in your organization.

It's about making credit and market risk decisions.

So, you know, should we lend this money? What is our capital allowance? If we do this activity, are we still going to have funding and liquidity to keep the organization afloat? And regulators impose capital adequacy levels and they say you have to hold this much cash in.

Non-financial risk is a very broad subsection, but it encompasses compliance and conduct.

benefits.