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hi im asifarook and this is fenextra at cyboss im joined today by penny hembro of cgi thank you for joining us so so 12 months ago it was announced that cgi was was buying logica 12 months on how has that acquisition added value to your transaction banking clients so its adding value in a number of ways so cgi brought a wealth of experience from the north american market whereas logica was predominantly in the european market and so weve been able to add both to create much more of a global view to our client base thats the first area the second area is we have augmented the deep payments expertise that we had in logica with the excellent cash management and trade finance expertise in cgi so that we provide a much more complete capability both from the subject matter expertise but also from a technology capability to our transaction banking clients and what are some of the key trends that youre seeing in the market let me answer that from two perspectives one is from our transact