Ann: 9Spokes extends contract with Visa to add 9Spokes Open, page-21

Thanks for the update, so Virgin Money is in beta testing with a small group of clients, so if they proceed the contract is likely to be signed in Q1 2022 which is great. The only thing of concern was Adrian's comment that prospective new client like the front door (Open Platform), however they are interest in what is in the fridge (Core Business Platform option) and this process takes a lot longer to land the fish. Can anyone provide some guidance on this. Thanks...