@mika121 you raise some key points which when you consider that...

@mika121 you raise some key points which when you consider that overall costs were up 57.62% and included those one offs, costs related to due diligence and staffing hires for prep of the banking licence they still were below the increase in revenue of 69.30%. I think it is commendable for a company in its early stages. The next quarter or two will give us more of an idea about the revenue growth potential outside the arrival of a restricted banking licence. This is crucial in these early stages to ensure the company keeps growing its potential banking client base.