Each generation has its own challenges and Robobank always wanted to be a bank in the middle of society and still is. So we like to support our clients in the transitions that they are in at this moment. Rabobank wants to be a rock solid bank. Clients trust their money and data to a bank, so trust is key and technology is an enabler to create that trust and that security that we need,  Robobank is becoming more and more tech and data company and therefore you need to work with a strategic partner. We've chosen TCS, a strategic partner because they are a global leader in IT tech and data, one of the projects initiated by the board with TCS and Robobank partners was about the Rabo model landscape where we collect massive amount of data and use new techniques like AI and cloud techniques to predict the financial well-being of our client. Another one is about centralizing and digitalizing the credit risk framework which means that we were able to improve the decision making on credit loan provisioning and improve the risk management. One of the elements I really like about TCS is their learning culture. Technology evolves rapidly, so knowledge about these new technologies is very important and TCS takes care that their associates do have the latest knowledge on technology and tooling,and they bring it in at Rabobank. It really helps in creating the engineering culture where we strive for as a bank. So the partnership between Rabobank and TCS is based on a strong foundation of transformation and innovation. We are fully committed to the success of Rabobank by bringing our global expertise on technology and data. We look forward to celebrating the success of Rabobank and our partnership for many more years ahead. Rabobank wants to support our clients in their major transitions. Food, energy, inclusiveness. TCS is partnering with us to make that happen, really working towards our mission, growing a better world together.