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so press I welcome you to our Swift session were going to discuss today Swift empty messages for payments let me explain the methodology we are going to follow today for the discussion I will explain these slides one by one at the end of my delivery will have a separate question and answer session so I will request all of you to keep your questions on hold it till I complete you can go on type in your questions whenever you have them in the question panel and then as and when I complete my delivery of all these slides then I will take all the questions one by one so to summarize I will have the presentation done first by me on Swift empty messages for payments after my presentation is complete then well have a separate question and answer session so please hold your questions till I complete Ill also request all of you to remain on mute when I am delivering the session and once we complete or when I complete my delivery you can unmute yourself and then go on asking me the questions