The Evolution of eBikes

The eBikes proposition has grown significantly over time, and we can talk a little bit around the value proposition with that offer to market as well. And again, they're in a very fortunate position as are the other retail banks in that they have a range of products that they can sell to market. We don't always see that benefit in the retail space. But I'm happy to say that 20 years later, eBikes have managed to really be in successful, not just here, but in other markets and well respected on a global stage by evolving their proposition. Dion: Most of the retail banking loyalty propositions originate, for example, on credit card spend; is that true in the