So Paul, why don't you talk about the evolution from our perspective?

I think some of it is, I think there's a requirement to change the underlying technology stack quite dramatically to allow for the next phase of products to actually occur.

So, and I'll give an example of a product I love, and I come from small business lending.

I've been in small business lending for 30-plus years.

A lot of innovation in small business lending over the last sort of 20 years has been about the fact that there's no longer tangible assets.

You have to do data-driven lending.

It's all been about input control.

It sounds really cool.