and how are you going to spend

all that money? Yeah, it's fantastic.

We're all really excited for what this next turn brings and the fact that MTV have really got behind what Graphene is, which is our post-buying analytical in-house proprietary platform that we've built up over the years.

So yeah, that investment's really going to go into accelerating what Graphene can do.

Graphene's really become that digital spine of carbon.

It connects underwriting claims and operational workflows across the business to offer that single view of performance.

So that investment will allow us to move faster, particularly around the analytics space.

And yet we talk to companies like you who are frankly prepared to move off Bordereau, have invested in technology that enables you to do other ways what's really going on why is this not move faster because there's so many people who will claim that they would want to we want to get off board row and so many smart providers of capacity who say we want to get off board row and yet the shift never quite happens is it just we're just still going at the pace of the slowest