We are pleased to recognize the achievements of the Stanbic IBTC Product Innovation Team. This group participated in our Product Innovation Lab in 2023, where they were trained in human-centered design principles. Yesterday, we proudly launched the Stanbic MVP and awarded them their certificates. Their dedication to innovation and user-centric design has set a strong foundation for creating impactful solutions. As they move into the next phase, focusing on growth and sustainability, we are excited to see the continued progress of their innovative efforts. Congratulations to the 2023 cohort, and we look forward to their future successes!