Yeah, absolutely. I mean, we really encourage those open discussions with our registered firms.

And in fact, we have some forums where we bring together registered and non-registered firms to discuss things like that. And I think one of the things I just want to be clear on, as a self-regulatory body (and from what I understand of regulation) is that no one really wants to stifle innovation, but I know that it can be really hard.

I think we're seeing some really good use of data and EMI and whenever we move to using algorithms to try and predict customer behaviour, etc.

But from our side of things, I think the main thing that we're seeing is however clever you want to be about it, however many propensity scores you want to use, however you want to segment your own collections portfolio and look to engage with people, if you're not able to contact that customer, it's going to be very difficult to get a good outcome for either you or for the customer themselves.

So because of those front-end online application journeys that we're capturing data from, and because of the recency - we're updating our full database - we already have a significant coverage of UK contact channel information, which we're able to help financial services firms get access to and to engage with their consumer, so they actually can get that conversation started. And they can try and get that resolution for them. But then if they if they can't have that first conversation, the rest of the clever stuff that they can do kind of goes out the window a little bit.