Aviva has a market leading position here in the UK. The thing that those customers need most is dependability. The service has got to really be there the whole time. We started out looking at ways of being more cost effective way back in 2004 working with TCS on some of our core back office finance systems. At the outset we were really just looking to for a like for like replacement and looking to be more cost effective. That gets you so far, but only so far. What we're doing now is much more imaginative. And that is much more the appliance of intelligence, avoiding doing work that we don't need to do, automating things, removing the technical debt that we have in our application estate. The key thing that we need to provide is reliability so that our customers, our call centers, they know the systems are going to be there available all the time. So that lost business hours challenge is the biggest thing for us. In 2012, we'd implemented some new monitoring tools for our underlying applications. TCS saw the opportunity to use this new tooling to provide an end to end service view and that really was the birth of the command center being able to see a transaction across our suite of applications. Historically when the major incident hit, so when we had a major outage for the business, it would take some time for us to determine which application or piece of infrastructure was responsible for the outage. What the command center gave us was a really quick way of us pinpointing who we needed to do what quickly. We've avoided over 100 business outage events. That's 1350 hours worth of downtime. That the business hasn't experienced. So there's some real tangible benefit there. What we're doing with TCS really is transformational in terms of enabling and improved customer service that will translate to the bottom line in a number of ways. The lost business hours clearly is a is a cost that we're now avoiding, but it's more important really that we're serving the customer effectively and that translates into real sales that we've made now that we wouldn't have made if the service hadn't been as good as it is. For me, being able to rely completely on your partner is probably the single most important thing and that for me is it has been a differentiator for TCS. I know that I can contact them and they will respond, but more than that, I know that they will already be looking at the issues that I see already trying to work those things out. I've I don't believe TCS have ever let me down. I don't believe it's in them. To let the customer down, I don't think they know how to do it. Partnership for me isn't about the easy times. It's about the times when things haven't quite gone as you would have wanted. And then a true partner stands by that sorts those issues out and moves forward. And that's where TCS I think have been really strong. It's not that they never put a foot wrong. None of us could ever say that. It's the response when that does happen and the extent to which we depend on them is really quite. Significant. The extent to which they're dependable is very significant as well. And I think we've really got a crack team with TCS. They've got some very strong individuals and some genuine access to a much broader corporate capability that's way beyond whatever we might choose to do attempt to do as a as an enhanced IT shop. TCS obviously has real global scale and real depth of expertise. I think what I've seen in the last 1224 months is a real step change with the team in TCS that I work with, they're really leveraging that much more effectively than previously. We're now able to draw in people who really understand way better than me or my team, do what we might do with some of the technology that we have. Let me give you an example. We have quite a big Oracle e-business Suite installation here at Aviva we engage with TCS. In fact I think they engage with those really to look at what that total cost of that estate was for us and brought a lot of ideas about how we might completely reconfigure that would save us quite a lot of money if across the piece. Now that's not something that was part of the contract or whatever else. That's something that TCS bringing expertise that they have in the wide organization into Aviva and we're able to take real benefit from that. They've also looked at how can we draw data from our voice estate and integrate. That those two things together now for the first time that gives us a picture of the interactions a customer is really having on the telephone with Ava staff and through the technology and the transactions that are going on either that they were doing on the web or that the staff member was doing through our own systems. Suddenly we've got a whole Vista open up for what that interaction is all about. That was entirely an initiative from TCS to bring those two things together and a great opportunity that business colleagues are looking at right now as to how can we really exploit. That the other thing I think is all about the people. It's all about the commitment to it, to a long term partnership and with TCS, we've seen that over a decade already. The team in TCS are absolutely determined to do the right job for their customers, for us and indeed for our customers as well.