 We're moving on now. The 2022 3T Impeds Consulting Annual Trade Finance Survey has unraveled the root causes of the lack of growth of non-export volume in Nigeria. These include a rate of inflation which has resulted in the high cost of living, high rate of exchange of the narrative major foreign currencies used to pay for imported goods. Now major findings of the Trade Finance Survey revealed that 94% of the exporters experienced rejection of the finance and request by the Nigerian banks, while 42% of rejected export finance requests were done without any reason given to the exporters. Now 21% of the rejected export finance and request were based on lack or inadequate collateral security, and only 11% of exporters received approval for their export finance and request. According to a financial expert, the banks should be deliberating providing forex to those in the export sector for the country to move from an import-dependent economy. Readiness on the part of the exporter, because the reason why that rate is also high is because that a number of the exporters are not ready. So there's need for readiness assessment. So before I approach the bank, I should also ensure that I'm ready for export. That means I should have a record I've done it before. If I've not done it before, I shouldn't go to the bank. They won't be interested in export. So I should have evidence I've done it before. But more importantly, also is the fact that the government should come in to provide credit insurance that can help the bank to reduce some of the stringent requirement the exporter to make available. Now you talk about the fact that they are not providing equity. But I mean, for me, if the bank, if I say the bank should reduce their student requirement and the CBN, the same bank should get creative, then the exporter must do their own part by also providing equity, something that shows that they have commitment to this transaction. Yemibo also stressed the need for the country to put up necessary sanctions to remove all botanics Nigerians face at the port, trying to export their products abroad. Now according to the report, 57% of the exporters identified access to export finance, port logistics, and delays by government agencies at the port. But that's not ready. But if we look away from this and look at the bank, even the banks also are not ready, because most of them are used to financing import. Some of the assessment criteria for export they are using is what they use for order of means of transaction. So there are other models they can use to assess risk and do a good credit scoring and be able to still finance not recklessly and still avoid losses on the transaction. So the bank need capacity building. The government need to support with credit insurance. I think we should reduce the rate at which the government is asking bank to give guarantee, but government should rather be giving bank guarantee so that banks can be able to give the money out while government carry the risk of growing the export in the country like many other countries have done.