Thank you.
Mr. Davies, you provide consulting services to financial institutions. In business, one challenge is to properly manage security investments and risks. It's about balance. When it comes to investing in security measures, we must consider whether paying for any possible damage would be cheaper than or equal to the cost of investing in security.
For a long time, the perception was that financial institutions limited their investments in security and chose to pay for damage that occurred as a result of incidents because it was more beneficial. Is this type of resistance still encountered or has the market changed with regard to security?