I think you've kind of got a little bit of an understatement about the successes that you as a family have had in cycling over the, over the years, but, but it has been a common thread, you know, as we were preparing for this, you mentioned, I'd love to get, just talk a little bit about that, you know, cause you've made some quite challenging, um, decisions in your life, you know, to, um, to do you know like you said semi-professional cycling and then to move into you went back to education didn't you and studied and then and then into the corporate world and now again into what you're doing now so do you talk us through talk us through that

process sure sure so I guess cycling when we were young me and me and my brother it come to us quite uh quite easily I think we kind of without training we had successes and we were national champion and things like that then we found ourselves on the british squad uh and and genuinely without kind of applying ourselves too too much i do think things are different now i think the the level of sport that a 14 15 year old has to put in to be british standard is far far far higher than when me and my brother luke were kind of that age so the world's moved on um but yeah kind of we a lot of success on when we were 14 15 and as a junior kind of on the british squad and it was all kind of brilliant you know we're kind of traveling the world racing and the highlight of my kind of career probably was becoming european champion on the on the track so i had this european title and i actually developed um developed caught glandular fever So when I was in second year junior, kind of that transition from first year to second year, 17 years old, started kind of going out and things like that and developed glandular fever.

And my second year junior essentially was a real letdown, really struggled with glandular fever in my system, couldn't recover, couldn't train properly.

And that's where the first massive uh hurdle in my kind of my life came really that was the most complicated thing that i ever had to deal with going from you know 16 17 doing really well internationally 17 18 racing against the same category you're a year older hypothetically you're stronger you're more experienced that's where you should be doing really great things on on a bike and it's at that age where I guess I had a choice to make.

What am I going to do with my cycling here? And I decided to kind of carry on, even though I missed then the British Academy programme.

So the system was as a junior, you were on the Olympic Development Programme, it was called, and you were based at home.

So mum and dad were very much reliant on your success, taking you places, funding things.

Full transition,

Aren't you a multi-hundred-year-old bank?

Exactly.

Exactly.

And hopefully many, many hundreds of years in front of us as well.

So the thing we talk about in the organization, my boss, our chief operating officer, Ron van Kemenade, talks about us being the biggest fintech in the UK.

So yeah, we're 250 years old, and we want to be the biggest fintech in the UK.

So that's about us being able to do what our customers need, exceed their expectations, put brilliant, like, services, tech, products into their hands as quickly as possible to beat the competition on pace, to out-innovate them, to reimagine customer experience.

Do you see enterprise patching speed as a sound barrier where, you know, with sufficient courage, Chuck Yeager can go faster than it, and, you know, new engineering like jet engines instead of propellers? Or do you see it like a speed of light where only Captains Kirk and Picard can go faster than it?

But just on that first point, national resilience and how we should approach that.

Yeah.

So I'll say something on that point.

Yeah, that's the mission.

So the way that we think about it, protecting Lloyds Banking Group is protecting UK economy, which is protecting UK society.

There's a straight line all the way through.

So that is like a higher order thing.

Thank you very much.

But just on that first point, national resilience and how we should approach that.

Yeah.

So I'll say something on that point.

Yeah, that's the mission.

So the way that we think about it, protecting Lloyds Banking Group is protecting UK economy, which is protecting UK society.

There's a straight line all the way through.

So that is like a higher order thing.

Thank you very much.