Ann: Release of Spenda AR v1.1 to support growth in payments flow, page-29

Yes. Announcing this now was not necessary per se. I think it is asking us to be patient as quarterly likely not exciting enough. But I do like it. It is payment revenues, not lending. Which is great for multiple. And the fact that agri can generate this type of revenues is very good news too and hopefully they won't roll out too much lending in that space. It's not huge, but definitely a good sign. Now, given the number is not linked to anything specific, other than mentioning JT, there is room for disappointment when we actually see the numbers. That is about trust in the company. And holders and watchers are split on that one. Overall +1 I'd say.