It's disappointing that, in a globally connected world, cross-border trade has become increasingly disconnected. Clarency has played its part in reducing the obstacles with straightforward, transparent foreign exchange and payments, but we're keenly aware that forex and payments aren't the whole story. That's why we've designated a skilled team to developing a platform that addresses the whole picture. That platform is called biz.Clarency, and it will be going live in January 2021 with five international banking organisations. As our flagship product, biz.Clarency will bring together our payments and forex experience with cutting-edge expertise from partners like China Systems and next-generation blockchain technologies from our friends at InterlockLedger. This is an exciting evolution for Clarency, and we look forward to 2021 with enthusiastic impatience.