You know, what are the dynamics of Cebu? What are the pros and cons of Cebu and things like that?

Well, to be fair, Derek, I worked in, as I told you, I started in the industry working in Sun City in Manila.

I spent like a year there and I moved to Cebu because...

I didn't want to wake up at 3 p.m. to work for a 6 p.m. shift because traffic was really hard.

And until now, when I go to – because we have a Manila site also.

When I go there, it's still the same thing.

So the way I describe it to clients, it's like Cebu is like the California of USA while Manila is the New York.

How are you seeing things evolve with your own agents, with your own clients? Are there sort of client expectations that you're adopting AI? Is it up to you to adopt AI and improve the processes? Or would you suggest that it's sort of the client initiative to lead those things? How do you see that play out across your own experience?