You being responsible in Lloyds for everything lending, and that includes mortgages, what's your view on the whole kind of home-buying ecosystem?

Yeah.

Uh, what I love about this conversation is home buying's already come up a number of times because anybody who's ever tried to buy a house in the UK knows it is the worst process.

[laughs] It is horrible.

Um, and you know, your failure rates, gazumping, um, you know, the amount of time from when we actually give a customer a mortgage offer to completion can be three, four, more months.

And that ignores, you know, probably the years that have gone before that to save up a deposit.

So it's a highly stressful, highly manual, complex journey that is ripe for disruption, and I do think that digital assets can play a role in, in helping us- Um, make the whole process less stressful, more streamlined.

What does this mean for the role of banks in the future? Are we venturing into new parts of the value chain, or are we made even less relevant? What, what's your view?