duathlon -- did you ask keith skeoch to step down?ouglas: no, it was something we have been working on to -- for some time. it was a natural evolution as we are coming to the third anniversary of the coming together, to the fifth anniversary of his appointment. he has been on the board for 15 years. and as we had the opportunity to recruit a first-class, seasoned, well-established financial services later, who is very excited about the opportunities that standard life aberdeen offer. so all of these things came together at the same time. as i said, the importance of having an established position as we go into the next phase of the evolution of our development, but also in the post-covid world was a very important thing to reflect on. no, we are delighted. this has been a cooperative succession between keith and the board. and we are very delighted where it ended up. francine: douglas, what do you think the post-covid world will look like for asset managers? will it be very diverse? douglas: i think it is accelerating changes that wer