I agree, I think is a game changer.

And I think what's interesting as we as we looked at the financial inclusion score more we realised how important lifestyle was as well as behaviour. And that sort of led us down to something were developing to the moment which is really based on geographical havior and customer blueprints for more targeted marketing strategies, we derive a lot of this information directly from the mobile, someone's behaviour on that phone and their choices and their lifestyle patterns and gleaning all that information from the mobile, which is all anonymized data at one point.

We are at the station in where the market is making a shift. And this is an interesting time. It's great for us to be part of that shift. And I think we're really seeing it where you know, US regulators pushing for fraud today email integration for Model Management for how do you take the unknown risk the ethical All parts have all those false positives that are being generated.

So it's a great shift where the market needs to move away from the old school: I've seen a fraud so now I think I know all fraudsters to, I've seen a good customer now I know what a good customer looks like.

That's a great conversation that we want to be part of. And we want to hopefully lead but definitely be an active member.