kristo: we haven't seen the need to. regulators have been pretty you need realized that a banking license if you are making loans and if you are taking deposits, and getting it out in loans without keeping it fully collateralized. senioryou have a few employees ahead of asian expansion and banking. why is it happening and how have you filled those roles? kristo: we have to put things in context. 1400 people in about 11 offices around the world. emily: people come and go. kristo: people mostly come and we need a lot more. i think we have about 100 30 open rolls all over the world including new york. emily: for those who might be concerned about the turnover at the top, what do you want to say? kristo: we see people who come to transferwise and stay for a very long time. the reason being, they are really motivated by what we do. it is very clear how we are helping people save money. we calculate every day, every month how many millions of dollars we have saved our users in banking fees and that is super inspiring. emily: t