... within, within this operating model and new governance structure?

So I th- I think we first need to take a little bit of a step back to answer that question.

So one of our core challenges is when we have a look at the market, it's still green fields.

Pamela just touched on the adoption rates and the penetration rates of digital trade transactions.

So- When you have a look at that number, the reality is nine out of 10 organizations haven't gone on that journey.

The second challenge that we have when we speak to financial institutions is that fundamentally a bank does not create the documents it finances.

It's, it's its customers that does that.

Do you agree with that too?