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so this morning Im going to be talking to you about that most exciting of things legislation at this point in the calendar we are about two weeks away from where the second version of the payment system but services directive will be voted on by the European Parliament and we expect that to go through fairly straightforwardly so this is a great time at which look at what the implications might be for us as corporate treasurers potentially for banks but certainly for us as as payments professionals why should you be concerned well Im going to pull out a number of things Im not going to read through the regulation which is over 100 pages of fairly dense legal text fairly complicated im going to pull out a few of the key points and one of the points is that the point that catherine mentioned which is around access to accounts which has been given the wonderful hashtag excess to a but there are some other key points for corporate treasurers and payments professionals certainly around l