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so Richard weamp;#39;re here at nexan nordics in Stockholm and one of the hottest Topic in the market right now is confirmation or PE or verification of PE so can you give me a bit of light on what role is Swift looking to play in the entire verification of accounts or validational payments great question and is thinking about Swiftamp;#39;s history for 50 years key role of what Swiftamp;#39;s been doing is about bringing the community together and we want to continue to play that role so key part of what weamp;#39;re looking at from a confirmation and verification of PE perspective is really about how we can bring communities together who are currently offering domestic services to support very specific use cases to enable interoperability between those markets and a key part of that will be collaboration in terms of talking about how theyamp;#39;re going to be able to bring these different schema together and then from a community Swift solution perspective how we can br