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Hello, everyone. This is Tony Abad, The Digital Diplomat. Thank you for joining us again on our show. And today, we have a special guest to talk about a very important topic of negotiating contracts cross border. So as you know, we are promoting a world that comes together, a world that is integrating, and were privileged and honored to have with us Lone Andersen, who is coming to us from the magical mountains of Chiang Mai, Thailand, Lone is the Managing Partner for Asia Pacific for Step Forward Partners. But more importantly, I think she brings with us many, many, many years of experience as an intercultural expert who will bring to us the concept of or trying to apply this to fintech and to software. And particularly about the you are promoting the digitalization of banking and financial services. But let me stop here and let me hear more about what youve been up to most recently. Lone Andersen, thank you so much for joining us. Good morning, and thank you very much for inviting