Good morning, and welcome to the Q3 operational update for Zwipe. My name is Robert Puskaric, I'm the President and CEO, and next to me, I have Danielle Glenn, our CFO and Head of Investor Relations. If we embark on this presentation, we first have a quick disclaimer, and then the agenda for today is that we will start with an operational review, followed with a financial review, and then near-term goals and priorities, and finish off with a Q&A. If we flip the slide and we go to operational review, the BCC, the Biometric Payment Cards market adaptation and take up is slower than expected. Given that situation, what we have done is that we have prepared in every possible aspect of what we can do on our side as Zwipe, and we are well-positioned to take a large market share when that market moment arrives. In the Asia Pacific, we have now signed with 10 smart card manufacturers and personal bureaus, and we are covering 10 market countries in that region, which means that we are well-positioned when the biometric payment card market takes off in Asia. We, together with our customers, meaning the SCMs and personal bureaus, have ongoing discussions with 25 potential issuers, meaning 25 potential banks. Some of them, of course, have presence in more than one country. We have also, with one of our SCMs, helped them, and they have been able to obtain and receive certifications on doing both Visa and Mastercard. What we should keep in mind is that BCC, being Beautiful Card Corporation in Taiwan, they also are able to supply cards to any other smart card manufacturer in order for them to get going and to try out the markets in their specific countries. We have also signed with an SCM in Japan, a leading SCM in Japan, very important markets, and they have ordered development kits for our pay products because they want to do a demo with a large global bank that they have up there, and several other leading banks in Japan. So we feel that in Asia Pacific, we are well positioned, many important countries or sizable countries, where we have a good presence, now, with SCMs and supporting them in their engagement with issuers. But in many cases, they are also going directly to banks and issuers without our help. In Europe and America, we have our SCMs that we have communicated earlier, that are having discussions with more than 20 different potential issuers of biometric payment cards. And we still see that that the strongest interest and the strongest traction that that that our customers are having is with Fintechs and Neobanks, where there are active discussions on planning to launch. And we expect that there will be launches in the coming quarters, and that we hopefully can communicate together with our customers on the wins they are making already in Q4. The pilots that we have been having in the Nordics with a Nordic bank and a Tier One bank that is present as well. They are now more into trying, they are continuing the pilot, but they have added the element of mobile enrollment solutions as well as part of the, you can say, the final phase of their piloting of our product, supported them with mobile enrollment as well. We also have a Mexican bank that is progressing together with the SCM partner that we have, and they are active. It's an active pilot, and hopefully they will also come to a point where they will then commercially launch. As earlier communicated, yes, one of our leading customers, Tag, have certification on both Visa and Mastercard. So we feel that in Europe, we are very well positioned in order to capture the markets, as soon as the issuers are ready in order to launch. In MEA, Middle East and Africa, as earlier communicated, I mean, we have both KIB and MEPS that launched earlier. We also have personalization centers in Jordan in Q2, when they launched, of course, that's created a lot of good communication and interest. We see now that both these issuers and personal bureaus are now planning to launch biometric payment cards to most of their customer base. We have four SCMs and personal bureaus in the region, and that gives us a presence in six countries in the regions. Those are countries of good momentum, good traction, and also being in the forefront of bringing out new, interesting things when it comes to the banking sector. We have one ongoing pilot that we hopefully plan to, or that we are counting on, should make it to market as well. On the technology side, as we have said before, we are the first one, and to my knowledge, the only one that actually have a mobile enrollment solution for issuers. Our app that is then used, if you want to try this out, is released on both Google and Apple stores. And we also have an associated SDK to go along so that banks, issuers can integrate this app straight into their native banking app, so it feels like it's part of their normal interface with their clients and customers. We have also refreshed our payment certificate throughout the time period here, and we do have long-term supply agreements in place. Yeah, we are supporting all our customers with efficient manufacturing processes, guidelines, and any type of support in order for them to have high yield and high efficiency in whatever they do. So we feel like we are really covering all the bases in order to support our customers as well as the personal bureaus, in order to be able to address the issuers and in order to create as much interest as possible. So in all corners of the world where we want to be present, we have now a good base in supporting our customers, the card makers, in order for them to have a good dialogue and to push towards issuers to create these markets. So, it is a complex value chain, but we have done everything we can in order to make everyone ready, so when issuers say go, this will be a very rapid uptake in the market, and everybody would be able to support their clients with biometric payment cards. If we flip the slide, we have the value chain as earlier displayed, where you have to the left the component producers that are our partners. We integrate that into a solution. We get it fully certified. We also develop different types of enrollment solutions, and mobile enrollment is one of them. Then we have our customers, and this is, again, our customers are the card makers, the smart card manufacturers, where we support them in order to be able to obtain their certificate with technical support, but we also support them in engaging directly with banks. In some cases, we go hand in hand to the banks, to the issuers, in order to present the business case and how you will go about launching biometric payment cards in your specific market. In other cases, the SCMs, our customers, do not want us to talk to their customers, and we do respect that. So in that case, we have less exposure directly to the banks. We also support the personal bureaus with what needs to be done, and payment processors in order to have a flawless usage of the cards in the market. And then you have the card issuers to the far right, which is the banks themselves that are issuing cards directly to end users. So this is the payment market, and we are actively working in order to help everybody accelerate it and to create a great interest out in the market so that we can have an uptake when it comes to launches in the markets. If we take the next slide, which is more about access or only about access. Here, we feel that we have made a considerable and significant progress when it comes to addressing the market and establishing partnerships out there in order to create this market. So in Europe, we have more than 20 partnerships signed or in progress of being signed, and they are spanning over the DACH countries, Germany, Switzerland, Austria, but also France, Italy, and Sweden in Scandinavia. So great interest, great interactions, and positive feedback from everyone that we have approached so far.... We have more than 30 proof of concept concepts out there, and that pipeline is growing. We also have opportunities that includes a household name being a global tech company that is right now using our cards. We are targeting more than 100 government agencies in Sweden, where we now know that our card is compatible and is working, and many other critical infrastructure operators, data centers, hospitals, and whatever have you out there. When it comes to Frankfurt, that we have talked a lot about before, it's not going to be a big bang where this is introduced en masse at Frankfurt Airport. But it will be a gradual process of introducing this biometric access cards in pockets of people that they consider you know having the greatest need. And this is the dialogue that that will be continued with with Fraport. So in Europe, we feel very good interest and good positioning with different go-to-market partners and also the proof of concepts that we have ongoing. So great interactions in Europe. In America, here we have also communicated and signed different type of partnerships, or we have companies that are in progress of actually testing our cards from a technical point of view. And those are well-known companies. I mean, we have Schneider Electric, M.C. Dean, Matrix, Farpointe Da ta, Access-IS, Oloid, and CardLogix. And then, of course, you have a number of others that we have already communicated since before. There are more than 30 different PoCs in progress, and the pipeline is growing together with our partners. So you can say that what we're doing, to a much greater extent than before, is that we are working with signing up our partners that have a far, larger reach out in the markets than we actually have with the small sales force that we do. So we are then equipping, all these partners with, our cards, with training, so that they can talk to their customers, in the countries where they are present, about our product. And the opportunities that we then see, together with these partners are, among others, at least one, if not two, of the top three cloud service providers worldwide. It's several Fortune 100 companies. It's Berkshire Hathaway Energy. It's Prosegur Group. It's a number of airports in North America, and also a number of critical infrastructure providers. Since before, yes, we have talked about Richmond Airport and the Safe Skies Alliance, and the proof of concept and pilot that they have been doing there. That pilot has ended. They are still working on producing their report and their recommendations, and we expect that to happen during Q4, which is, yep, later than we expected, but they are still writing that report, and they don't seem to be in a great deal of hurry to release it just because we want so. So in America, all in all, little bit in South, but a lot in North America, a lot of interactions, a lot of engagement, and a lot of, if you call it end user enterprise, that will be the perfect takers, for biometric access cards. You also have, on the far right in this slide, where you have, you know, the partnerships that we have then done with, with HID and LEGIC, which also has to do with the, you know, how you load the applets and credentials and so on. That is now very much in place so that we can supply the market with, with, cards that are supporting the HID sales and LEGIC advanced, technologies. We have also studied the European directive called NIS2, which is about cybersecurity and two-factor authentication that is put upon critical sectors to be implemented within a short, pretty short time frame, I would say. Where our solution with Zwipe Access cards is perfect, a perfect match in order to, in a quick and rapid way, increase security where needed. And of course, then you take away the need of PIN codes that needs to be punched every time you want to open a door or access a logical data drive. And we have also added more expertise, both in sales, where we felt that we were a bit thin. So we have now more of access expertise in the front line, and we have also added Zwipe expertise on the board level. And so we feel that we are slightly, or not slightly, we have actually updated our go-to-market strategy when it comes to access. And we do see that we are getting very good traction. So a number of talks that have started, and we hope that of course, and we are working hard in order to convert this, not only, you know, having talks and interest, but also commercial orders. And we see that that will start happening during Q4 and next year. So with this huge interest that we have in the markets and all these partnerships that we're establishing, this will pay off. I'm absolutely sure of that. So if we look at the next slide, which is the value chain for Zwipe Access, here we have the HID and LEGIC out to the left side, which are then setting the standards and protocols. And then you have Zwipe, which is then, in this case, not only being a system integrator, but we actually supply complete cards, finished cards with applets and credentials loaded, that could be shipped straight to the end user enterprise. But we prefer to use partners to have more parties involved in order to reach further out to more enterprises. And then you have the different system and subsystem providers, and then you have system integrators and distributors, the ones we are working with, just to mention a few. You also have installation companies that sometimes are involved directly via us or the system integrators. And then you have end user enterprises. And here you have tens and hundreds of thousands of enterprises out there, which are then potential opportunities for us and our partners. So in order to reach those, which of course, to a number is many, many, many, many, many more enterprises than you have issuers just to compare on pay, you need partners in order to do the footwork, and in order to reach further out. Okay, so by this operational update, I will then hand over to Danielle Glenn, our CFO, to give you a financial update, and then I will be back after that. So Danielle, over to you. Thank you, Robert. So year to date in 2023, our revenue is SEK 2.1 million versus SEK 1.7 million in the same period in 2022. Specifically on Q3, we had revenue of SEK 300,000 versus SEK 800,000 in the same period last year. I mean, as Robert alluded to, revenue in Q3 and year to date is lower than expected, simply because, you know, adoption, market adoption hasn't happened yet, and Zwipe Access largely remains in proof of concept phase. But there does continue to both to be reason to believe that there will be issuer adoption of biometric payment cards in the coming quarters, and fairly rapid conversion of these Zwipe Access proofs of concept to commercial deployments. Again, there does remain reason to believe, very good reason to believe that revenue growth will be quite substantial in the coming quarters. Here, you know, historically, Zwipe has always had a fourth quarter that is quite strong, and we expect that to continue to be the case this year. Moving to the next slide, if we look at operating cash flow, that was NOK 27.3 million in the third quarter, compared to NOK 24.2 million in the third quarter of last year. That equates to an average monthly net burn rate of negative NOK 9.1 million in the third quarter, versus NOK 8.1 million in 2022. I think the very important thing to bear in mind on this slide, so we announced this streamlining in June of this year, and we said very explicitly that we expected the full effects of this streamlining to be in effect from Q4. So we didn't see it as much in Q3, and that was exactly as expected, because most of the changes that we did were with people who had three-month leave periods. Our Q4 cost base will be down about 25% versus the third quarter of this year. And much more substantially, if we look at the first half of next year, we expect our cost base to be down more than 40% versus the first half of 2023. So this is quite a meaningful reduction and definitely will help us extend our cash runway, especially as commercial orders and revenue start to come in. Moving on to the next slide. The cash balance at the end of the third quarter was NOK 48.3 million, versus NOK 85.8 million at the end of, Sorry, this is just Q3 2022. Again, this, you know, the net burn rate will decline in the fourth quarter and will continue to decline next year. And certainly, you know, we'll get to this in the Q&A, there are questions about if Zwipe will need more funding in the coming quarters, and really, that is highly dependent on revenue traction. So again, I will pass this back to Robert to talk about our goals and priorities for the rest of this year and into 2024. Thank you, Danielle. So before Q&A, near-term goals and priorities, and in reality, this does not change compared to what we have said before. I mean, on pay, we are working on speeding up pilots and soft launches to execute those with our customers. We do support SCMs to get all their certification in place so they can produce our cards. And of course, we are working extensively with our customers, the SCMs, to support them to expand the issuer pipeline of theirs, right? In some cases, in some regions, we have very good and fruitful discussion directly with banks and issuers, and in other regions, we don't have that because our customers don't want us to do that, but we support them in order to be able to expand their issuer pipeline. And of course, our absolute aim is to achieve large-scale commercial deployment of biometric payment cards together with all our partners and customers. So we are working hard on that, and I hope that I've been able to explain that we have a great presence in APAC and in Europe and in Middle East. So, as soon as the issuers are ready to bring this to the market, we are there, and we have laid a very good groundwork to cover all bases for making this happen. When it comes to Zwipe Access, there is a lot of engagement with different type of partners, and some of them being extremely well-known global, international security companies. And they are testing our technology. In some cases, we have already been past that phase, and now we're talking about which opportunities should we specifically target and do pilot labs. We are working hard in achieving reference deals in selected verticals with our partners so that we can then bring that story to the market and also to other enterprises in those sectors. It is about, you know, achieving large-scale commercialization here as well, but I think that the on access, we are very well positioned, and we have a very good traction and interest from the most important partners in this industry. This will definitely happen within soon. From organization and financials, as Danielle pointed out, we have taken drastic measures to lower costs. Yes, people have, you know, a certain amount of time that passes until they leave our company, unfortunately. And in this case, that is maybe why you don't see that the burn rate has come down in Q3. But you can rest assured that in Q4, you will see this dramatic drop in burn rate. And of course, as Danielle said, Q1 next year versus Q1 this year is a huge difference. And so, of course, we are prolonging you know the time until we need. I mean, we're prolonging our funding until we reach a meaningful commercial traction. And I mean, everything we do, we try to do with operations excellence to get as much effect as possible with the team and the tools that we have. So, with that, we will open up for the Q&A. Okay, so reading through the questions here and the ones that were pre-submitted, the first question is for you, Robert. Mm-hmm. It's kind of threefold. Are you confident that 2024 will be a great year for Zwipe? Is it payment that will be your main target market for 2024 and 2025? And finally, how many players are there in the biometric payment card market, and how is Zwipe positioned? Oh, wow! I mean, 2024 will be a great year. I mean, we certainly hope so because we're working extremely hard to achieve commercial breakthrough on the excellent product that we have that is then used for both Pay and Access. So confident, I mean, with the amount of work that we put in here and the amount of partnerships that we're signing up, covering all bases, both geographically, but also, I mean, on access, different verticals and different type of partners that we need to reach different type of enterprises, I think that we are doing a great job. From a commercial point of view, I really certainly hope that 2024 will be a great year, of course. When it comes to if payment is going to be the main market, in 2024 and 2025, I think that pay still, from a market point of view, is the biggest potential, right? I mean, in pure volume, of course, when issuers and banks are launching, they are reaching a lot of end users, pretty fast, right? But I personally think that access could move much quicker, right? So for us, access is equally important as pay. There is no difference, and I think that—I mean, if I look historically at Zwipe, I think that we worked a little bit too little on access and put, you know, a lot hope on that the take up on pay would be extremely rapid as soon as the product was done. Now, obviously, that has not been the case, even if we are doing a good groundwork in order to cover all the bases. So that's why we have then added increasing focus on access, since we think that there is both a quicker uptake in that market, but it's also a great potential, right? When it comes to how many players that are in the biometric payment card markets and how we are positioned, I mean, there is a lot of different players in this value chain, as illustrated in the presentation. I mean, you have the companies that are doing components, that are supplying fingerprint sensors to us, that is supplying the chips, the inlays, and whatever have you. Then, of course, you have our customers, the SCMs, that in some cases are competing then with the top-tier SCMs, that in some cases also have in-house the technology of what we are doing. You have the personal bureaus, and you have the payment processors. So there is a lot of different stakeholders in this value chain. And I think that we are well respected, well positioned. We have the right type of partnerships established, both up and downwards in the value chain, which positions us extremely well when the market will take off on biometric payment cards. So I'm very confident that we are where we are supposed to be on pay. It's just that the market needs to start. There needs to be an uptake from the issuer side on biometric payment cards, and we are supporting our customers hard in order to achieve that. Okay. I hope I've answered the question. Very, very, very long answer. Sorry. Okay, I think the next question is for me. Will you guide for 2024, and are you confident that you will make a profit? Zwipe will not provide any guidance until we are in a sustainable cash flow positive position, and that is something that we have always maintained. Are we confident that we will make a profit? I mean, again, we have undertaken very substantial cost-cutting measures. We are now operating extremely leanly. Operational cost base will be down more than 40% in the first half of 2024 versus 2023. Additionally, from a cash flow perspective, we have substantial inventory, and supply chain purchases will not be significant in 2024, or at least certainly until the second half of 2024. This is obviously offset by commercialization that has been slower than expected, and hence, revenue and gross profit have been lower than expected. I think the only way I can conclude here is by saying that net burn rates will be substantially lower in 2024 than 2023, and that we may approach profitability late in 2024 or early in 2025, but this is dependent on, you know, commercial traction, so it's really too early to say. But I think certainly we'll be in a, in a better position in 2024 than we, you know, have been historically. The next question is for you, Robert: Will we see orders in the second half of 2023? I mean, I certainly hope so, and this is what we are working hard for, right? And I expect orders both on access and pay, given all the traction that we have, all the efforts that we're putting into this, all the proof of concept, all the, you know, discussion about pilot, soft launches, whatever have you, both on access and pay. So yes, I definitely hope so. Okay. Next question is for me. If no orders in the second half of 2023 and the first half of 2024, when will you need more money? I think, again, we have talked about this, but, you know, in Pay, we have, we with our partners, have dialogues with more than 50 issuers globally. This is a substantial number of potential issuers, so that's one thing to point out. I think in Access, again, there's substantial traction with our partners, and we have proofs of concept with really household name, enterprise customers, government agencies, Fortune 100 companies. You'll see in our operational update that we mentioned specifically a top 3 cloud services provider, maybe two, you know, a top 100 global tech company, the name everyone will know, Berkshire Hathaway Energy, and more. I mean, these are, these are well-known names. I think, you know, there continues to be good reason to believe that meaningful commercial orders are on the horizon. However, you know, if there are no orders at all, certainly through mid-2024, Zwipe will likely need new funding, certainly within the next twelve months. Next question is for you, Robert: How many people work within sales at Zwipe? I mean, I of course wish that I had a lot more people in sales, but given the circumstances, what we do have in pay, we have four regional persons that are looking after Europe, MEA, APAC, and we have one business development person as well on pay. So four people in pay. And on access, we have some of them are part-time, but all in all, we have two persons for North America, we have two in Europe, we have one pre-sales for everything, and we have one more kind of like global support or global sales push. Okay. Next question: What are plans to move things forward faster and make sales happen faster? Please elaborate on excellent commercial traction. What kind of data is supporting your view, from your and Zwipe's perspective, how would you define the term partnership collaboration, and how do these partnerships, et cetera, impact on commercialization? Oh, wow! I mean, to move things faster and to make sales happen faster, I think that also in the first half presentation, I tried to explain, you know, where we are in the value chain and what we are doing, and that we are also dependent on certain other actors in this value chain, right? I mean, we cannot control the decisions the issuers are making, when to launch and if to launch and how much to launch. But we certainly are, you know, pushing as much as we can together with our customers that are the smart card manufacturers, the SDMs, right? So it's not really in our hands to achieve the volumes. We are working in order to enable these things to happen, but we cannot really kind of decide when a pilot is done and if the bank should launch and how much they should launch, right? I mean, there is a number of companies that are working in this industry to make this happen, and there is considerable amounts that have been invested in bringing this type of solutions forward. I mean, given all of that, that so many companies are now ready with the solutions, and there is such a push in the market on the issuers and banks marketing this product and the advantage of introducing this and, you know, for the banks to take back part of the initiative when it comes to having more secure products out there versus mobile wallets and so on, is, of course, things that makes me believe that this will really happen, and it will happen in a very short time frame now because there are many forces that are working in the same direction. What we have done on our side is that we have established all the necessary partnerships, and we have readied, if you want to say, all the different players in this value chain, from payment processor to purse bureaus, to SDMs that are actually producing the cards, obtaining the certificates. So I truly, truly believe and hope that this is, if you would call it, a catch-up effect, right? That there is such a push in the market, that when this happened and you hit go, that the whole kind of chain is ready to take on these volumes that will come. So this is what we are really working on, is to ready everyone in the chain, so when the issuers hit go, we can really go and go big time. Did I answer that question, Diane? I believe so. Okay, so the next- Of course, it's different for access, because that is kind of, we are talking directly to the end users in a different way, right? Because... And they really understand the benefit of, you know, if you have the card, you can open the door, and it's only you that can open that door because your thumb, your fingerprint, your thumb needs to be on the card. Here, it's of course a different type of momentum, but I think that by, you know, just listing the number of companies that we're engaging with and the size and the reach of these companies, I'm very confident that you will see deployment of biometric access cards in a larger scale within soon, because people really understand the positive benefits of introducing this. Yep. Okay, next question: What is the ASP for pay versus access cards? Whoa! I will actually not respond on the specific ASP, because of course, that depends on volumes you're buying and, you know, size of commitment and, so on. I mean, which time frame you're buying such quantities in and so on. But what we can comment on is, that the margins on Zwipe Pay is above 30%, and that, for Zwipe Access is substantially higher than 30%. So that's the comment I would like to make on that question, but the specific ASP is like more between us and our customers, and, depends on how much they buy in terms of volume. Okay? Yeah. Then we will move on to some other questions from an analyst. Can you confirm how many ongoing pilots you have in total? Diane, pick another question, please, that you answer. I think... Okay, looking through the questions. So we have one question that is, the NOK 300,000 in sales, is this from both access and pay? And the answer to that is yes. We report total revenue for both business lines together. But I think the rest of the questions are actually for you, Robert. So- I'm back. Yeah. Okay. The first question is, can you confirm how many ongoing pilots you have in total? I don't think that we should comment on the amount of pilots because I mean, this landscape is changing, right? So but what we are seeing is that it's more that our customers are talking about soft launches, right? So when we talk to our SCMs today, they feel very confident that this product works, right? I mean, if you go back like one year, one and a half year, it was like, "Oh, we want to try to make sure that it really works, so we want to do a pilot." Now, people are talking about soft launch, and I know of the fact that some of our customers, they have put in like minimum order quantities, so they can demo that this works, right? So you can say that then it's a very quick proof of concept. Does it work? Does it not work, right? And then you order, you know, a batch of cards, which you will then promote to the pair of customers, I mean, end users that you, that you have, that you have selected as you want to be your first kind of customer, customers that are using this new technology, and off you go. So I would more say like it is going to be soft launches, so I think that we should stop talking about pilots on pay, because that will kind of we will not use that terminology going forward. And the industry has stopped basically talking about pilots. It's soft launches. Okay. The next question: Is KIB still solely offered to VIP customers, or has there been any extension yet? They have communicated to us that they definitely wish to extend the reach and the offering to include all of their banking clients, and that's what we are then together with that specific SCM working towards. So that, that's their definite intent. And this to me, of course, points into that they are very pleased with our product and the response that they have gotten from the customers, the clients they have offered this product to. Okay, and I think the last question that we have today is: Can you elaborate on the timeline for access in terms of when successful proofs of concept will lead to orders and be converted to sales? I think that it works like this. The proof of concept is typically something that our partners, the system integrators, are performing, right? Some of the company names that I mentioned in the presentation in North America, they are doing the POCs, right? The target is not that they primarily will be the enterprises that will use these cards, but that they and their sales force will target end user enterprises where they will push this product. I don't think that there is a sys- I mean, this is not like that you have like a, as before, we had a pilot with a bank, and that runs for a certain time, and then after that, you place an order. The PoCs are with our partners. And when they feel confident that this works, which is a rather fast process, then they start pushing out towards the market. So we see that the number of engagements that are already happening are going to lead to orders within a relatively short time frame. And we actually have a deployment in Sweden of a company that is now using our cards, even if it's not that many, at least they have started using them in their kind of daily life, if you put it that way. But not to be communicated and disclosed about which company. Okay. That is all of the questions for today. Thank you, Danielle. So nothing- I hope that you have all enjoyed this presentation. Of course, we had also hoped for a quicker take-up in specifically the pay markets. But I hope that we have managed to convey all the efforts that we have done and all the actions that we have performed in order to ready the whole value chain on pay and to do everything that is in our control to be ready when the market takes up. And on access, this is a different story, but here we are then together with HID and LEGIC, you know, addressing different partners around in the world that have a good reach out to the end user enterprises and critical infrastructure. So I hope that we have been able to convey that we are doing everything that is in our power with the resources that we have in order to create these markets. Okay? Yes. Thank you for listening. Okay. Thank you. Thanks.