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in the equity derivatives business financial crisis though the Dynamics of the investment banking industry was changing rapidly uh especially well more in the US but also in Japan so rationalization team disperse and then I left Japan and I moved to Singapore to work for Standard Chartered okay they had a big um a very large transformation program for their custody Services business then I decided to return to Australia mhm uh with my family who were born in Japan okay um so with my kids were born in Japan I married my wife in Japan sheamp;#39;s Japanese