[Music] yeah absolutely so I think one of the things I always think about is embedded FAS is it's been around for a long time uh it's just become a lot more uh integrated and smooth because of techn ology so you know I think I think back in the days of of cataloges and and paying through cataloges and and going to um going to buying a car and you got HP and they pick up the phone you sign some papers that's called all embedded Finance in a sense so it's just been accelerated so so it is not a new thing for a consumer brand to want to provide uh financial services at the point of need uh it's just we just got better at it is point one um I think we've seen lots of examples around some we barely notice um you know stepping out of a of an Uber is the classic example um where you no longer have to show a card um do anything that feels normal now five years ago it was he got out of the car kind of saying do do you need me to pay you and it was all done so so that's been normalized um uh as examples I think Uber's another example actually behind the scenes so so in the states and and even in the UK um you know they they're thinking a lot about how they um take their drivers which work across a number of platforms so they they'll kind of use Uber they they'll use Lyft um and and how do they keep them loyal uh and and on their ecosystem as as you will so you'll hear a lot of ecosystem in uh in embedded Finance so what they've started to think about is giving Uber bank accounts to Uber drivers where they pay in um you know their their salary or whatever's owed to them in a very prompt manner so probably quicker than than they would ordinarily um and then the drivers get a UIC cart um they can wrap around some benefits on there and they're much much more loyal drivers and the issue that Uber have is drivers just flipping around and leaving them that just really adds a lot of sticking us onto that platform so I love that example um the second example is one used by our um partner Vino in Europe uh and it's it's kind of it's a simple one but I love the way it's it's kind of it's it's all it's such an obvious thing to do and it could grow into lots of other financial services so when you are a student in Germany and and you are going uh you're you're a student from a foreign country and you go into Germany um you have to put your money into a local bank account um that's quite hard to do to kind of go to a a a German bank and open it and prove yourself and and and what have you um so what happens there's a company called exp patrio which manages the the students coming into the country and they say put your fees put your your rent and and all your financial affairs into the expatrie and your manage management and all of a sudden you've gone from a effectively a company which helps students settle into the country in a in a in a fairly singular way into in a company that then provides their financial services not only in in kind of paying their fees to the the universities but much more beyond that in the in in the you know into the job market and Beyond so so you can see that really growing and all of a sudden you know the EXP patrio is turned into this this great consumer brand that provides a real breadth of financial services to customers so I love that [Music] example