Matt Best

That's a really important point, Jenny.

Thank you for raising that.

And I think, again, I've had a number of conversations in this market with advisors who are kind of acutely aware of that.

And Johnny, you and I have spent some time with some in the US who definitely have a greater focus on that, where that knowledge is more readily available.

One of the things, of course, that we know can be a great enabler for providing services at a scale that becomes...

appetizing for some of the current wealth managers but also helps others get into this space of course is looking at the kind of technology and so you know technology is key of course we've established the first part of today's conversation about how important the integration is and the speed of that integration a big part of that is of course technology we talked about differences different sort of systems platforms processes to which you know technology is a great sort of facilitator of speed and efficiency and effectiveness in that space but

But also, I guess, technology provides effectiveness and efficiency to advisors themselves.

Dave, from your position and from the work that you're doing with clients, what's the opportunity?

But also, what's the risk?

As Ginny also mentioned, cutting down in administrative roles and what have you and the impact that that has.

That's, of course, a challenge if businesses assume that they can replace more of those roles than is feasible with technologies.

Dave, what are you seeing?

Yeah.

Over to you, Matt, for closing words.

That is brilliant.

Look, I just want to echo what Johnny said just before.

It's been an absolute pleasure having you all on.

The volume of insight that comes from the three of your brains, but also that kind of comes together in that report is really fantastic.

And Johnny mentioned something earlier, midway through our discussion just now, about even if you're not in the wealth sector, there's a lot in that report on consolidation that's really important for anyone running a professional financial technology services business.

And I think to the listeners out there,