 Hello, my name is Trevor Neal. Thank you very much for inviting me. I've been a trader for all of my working life. I started more than 40 years ago when I was 18 as a floor trader for Merrill Lynch on the Coffee Exchange. I've since worked for various institutions, moving towards fund management and hedge funds, running hedge funds. And now I run a small fund, which is a systematic trend following technical fund, and I also teach technical analysis. Well, the UK banks have really suffered a lot. We had the banking crisis, which was terrible for the banks and profitability of the banks, and some banks even disappeared in that time. We then stabilised a bit, but even 2017 the banks were weak, and they went on to make new lows as well. But now they've been making, I think, last year a big broad bottom formation broadly, which we've seen very well in the ETFs, of the banking ETFs, and I think they're in the process of coming out of that bottoming pattern. And I think that we're on the cusp of a change completely from hating and ignoring banks and never touching them into that they should be the leaders of the next stage in the market, which will be more risk-on, I think, coming up. And so I think that portfolios, conservative portfolios, will be more friendly to the banks after having them. No way will I touch banks for so long. Well, I do think that we're going to be in a new mode. Of course we don't know how Brexit is going to go. We don't know how the global economy is going to go. We don't know how the coronavirus is going to go. There are all sorts of things we don't know how it's going to go. We don't know the US election, all those things. But what the charts are indicating, both the charts of the fundamentals and of the indices and the individual ETFs and securities, is that the nature of the structure of the market is moving towards risk. And I think risk assets will dominate in this year. And particularly, I think, led by emerging markets, but also in the mature economies too. So I think there will be outperformance in emerging markets. But one of the sectors which will be the beneficiary of that is the banking sector, which has been a bit of a dog and how to favour. And I expect it to become part of the leading group in this year. So I expect that is one of the structural changes that will take place. If you want to leverage it, be more aggressive about it than choose an individual stock. I think the outstanding one is Virgin Bank and this from European and UK point of view is the best looking one. And I think you'll get great outperforms even bigger than the ETF if you use that. If you want even more leverage, more beta from it, then I would go from this unpopular stock, which has got a beautiful reversal pattern and is likely to outperform any of these because of its bouncing from this low level and high level of dislike that's in it. And so there's great potential on the upside on that more than the other ones. So it depends on your attitude to risk as to how you want to play this. Broadly banking worldwide, then banking Europe, I think, then banking UK, then Virgin, then Metro. I think that these custom indices, ETFs, these theme-based ETFs are smart betas. Some people call it these very sophisticated ETFs are the future, really they are the future. I think the risks of buying individual shares is great, although I've been talking about individual shares today. But that's because we want to take the risk because we want the outstanding reward of it. But for investment portfolio, you want to diversify the risk and the best way to do that is through these ETFs. But the ETFs themselves have moved on from just being automobile ETFs and banking ETFs into much, much more. And these new themed ETFs, I think, are really fantastic where you can hedge or take a view not on sectors or groups or countries but on how the market is going to move. Is it going to be growth driven? Is it going to be risk driven? Is it going to be high beta driven? These sort of things and you just buy high beta as a thing as opposed to trying to find the right shares that represent that.