Where I'd like to start, Paul, if we look at the theme of the future in motion and seeing things from both sides, how differently have you viewed payments transformation inside a bank versus PayUK? I think that's probably a good place to start.

Great place to start.

I'll just start on, if only I ran it globally.

I look after the UK, but I'm involved in the global domain.

And that's an interesting point to pick up on because your point around differences between scheme and company, you know, we're always looking at scale.

We're always looking at economy of scale.

Particularly in Santander, we're building a global platform to give us the ability to drive global benefit for investment in platforms and then get benefit for local control and channel delivery.

How do banks and institutions balance the need and actually the requirement from customers to continually innovate versus the resilience that is expected anyway?