Surely, with all those warnings that we've given down the years, it's not the case now, or is it?

Unfortunately, in some areas it is.

Let me start by saying, Tom, that pension and end of service are, in a way, they lead to the same objective, but they're different.

Pensions, when people talk about pensions, expats in the UAE, there's no something called pension.

There is for the locals, but not for the expats.

So what do you have for the expats? You have the end of service or the gratuity system, which you have.

And that is calculated based on the time that you've been working with the company.

How much would that and could that potentially affect a traditional gratuity if your money is being used on the markets?

But yeah, so tell us a bit about your role and then we'll come back to sort of how your career, let's say

that.

How much time do we have? As long as you want.

I'll try to fast forward to show the age.

Most of my professional career was on the sell side.

I was on the brokerage.

I started here in the brokerage in the UAE before the market was established.

So presumably, does the employer, do you set the default investments or does the employer kind of choose which of the six parts, which of the six investment strategies?