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[Music] yeah we have a small team in our business thats working on monitoring all the regulatory changes that will be effective for our business and when it becomes more practical the business people are working on the more the implementation of these regulatory changes what we suggest to clients is when they look at the regular chain program they should look at it more than just an a project to say but look at it from an operational readiness perspective and what I mean by operational business perspective is what the end state would look like for the client in a BAU mode and this will engaged not just the individual project team for the whole organization in completing the program to achieve the benefits for the organization I think the key to successful regulatory change management is we have a multidisciplinary team already at the very early stages we do an impact assessment of whats coming up and impacting us when it comes to a clear impact within a year in a year and a half then