If I may, Mr. Forster, I do understand what Mr. Finn was saying about costing not just the acquisition of whatever software or whatever you're going to need. There are the technological advances that probably every six months you'll have to make, and then the updates, the upgrades, that are coming with the speed of technology. Is that part of the $1 billion, or is this going to be more than that?
On November 24th, 2016. See this statement in context.