Hi Philip. Thanks for the post. Quick question- How are the savings being digitised? Yes, the savings contribution by each member is recorded on the app, but how is the savings in the form of cash being converted into digital savings? Are group members depositing their money in the bank account and then linking their bank account with their dream-savings account? Or is there an agent who is depositing all the cash into the bank? Is there any kind of partnership between Dreamsave and the local banking institutions?