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Bankruptcy - What's the Difference?
We are currently under restriction in terms of deposit taking activity so when somebody gets the first license or gets the license first it tends to be or you're authorized with restriction. At the end of this mobilizations is called you apply for a variation to your permission i.e we're ready now to lift the restriction typically although there's a lot of other granular details that you also have to meet but fundamentally my opinion there's only not only but there's two major things that you have to overcome one is that your technology needs to go through an independent board it board needs to sign that off give the regulations they reassure us that technology is in place and that has started in our case in December.