It requires presumably some different questions about whether you should do that relative to a whole host of other capabilities.

Correct.

And I think the segment that we serve, they have to think about deploying the dollars very wisely.

So that is a big thought process that's going on in their mind as well.

Whenever I talk to my clients, a couple of points that come out there.

The first is, where do you see or where do they want to see the greatest value creation coming through? And then decide how to deploy your budgets, right? Now, from a value creation point of view, is it in a productivity of automation or new product development, enhancing business model, or improving customer service or customer experience? Those are the three main areas where we're seeing our clients' thought process go through in terms of how to use AI.

Then the next point comes in is how much, which is also a very important consideration.

different jurisdictions of course you know want to have a a different policy sometimes don't they uh ranji i mean that that notion of risk is obviously a one that uh as a bank you know we're very familiar with but Perhaps more broadly, as you see that agentic model get increasingly integrated, how do you see the role of perhaps what James touched upon at one point? So the digital relationship manager change or evolve, perhaps?