There's about 80% of European household left that haven't transitioned to renewable energy installations. And for them and financing is a very important part. So that's how we come in. We help our installation partners, first on the software tuning side, but then also kind of coupling that with end customer financing.

So, a typical mortgage is kind of what it is, and there have been attempts and some regulatory stuff prevents a lot of innovation, but the only way to innovate is customer acquisition. And I don't want to sound super absolute there, but the opportunity so you get, like, a Rocket Mortgage, right? It's an acquisition play. That's how they're disrupting.

In B to B, it's different. There is innovation on both sides. There's innovation on how you distribute your product, customer acquisition, there's innovation around product structure. There's innovation around reducing losses.

Let's just say I find Small Business Finance probably the most exciting topic in the world. And the reason being, if you look at Liberis, we support small businesses with working capital, that directly impacts their livelihoods, it directly impacts their revenues directly impact how many people they actually hire.

So the impact on the wider economy is enormous. And the way we do that, with Libris is as an embedded finance platform, we integrate with big partners. And by integrating into those platforms, we see the actual data, and we underwrite on the basis of yesterday's data, or even last hours data, depending on how you know up to date their data is. And by doing that, we have an 83% accept rate at the moment. And that's enormous.

YAt Gaia, our mission is to make the process of IVF, more straightforward, more accessible, and more affordable. So the work we're doing is driving towards enabling more families to have children, and means we have the opportunity to make this truly tangible impact on our members lives.

And so it really is this mission, I think that elevates things beyond just another plain vanila financial services company.

It is a niche focus, but it is a focus that I think goes a long way towards solving this kind of very tangible problem of infertility and helping families build from the ground up. And so our product really is organised all around trying to focus on providing additional accessibility and affordability for IVF through a combination of a loan and an insurance product that allow for an easier entry point for our members to get access to treatment.