ladies and gentlemen, this is your captain speaking from the flight deck, welcome aboard our journey today, where the theme of our flight revolves around the concept of keeping things under wraps. as we cruise at altitude, it's fascinating to note how in the world of banking, innovative solutions are always in the making, yet some are kept under wraps until they are fully ready to be unveiled. it's akin to us preparing for takeoff, ensuring all pre-explanatory checks are done so we can smoothly rebegin our journey towards financial security without the need to decry previous methods. our commitment is to ensure that your experience in the realm of personal finance remains positive and uplifted. thank you for choosing us for today's flight into the future of banking.