So it's David's first week. Welcome David. Actually, to kick things off, David, maybe you can let us know your thoughts on the productivity portfolio flips around the spending dilip.

Okay, sorry? Give us your initial POV on the productivity portfolio Moo-Moo-M make much more with a feather this morning?

Oh, that, yeah, the uh...

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If you could get rid of everything bad about banks and build one from scratch, you'd build a different kind of bank.

One that has actual people you can talk to 24-7, not robots, doesn't invest in fossil fuels, charges no extra fees for spending abroad

and definitely doesn't close before you finish work. You'd build tools to help manage bills,

teach kids good money habits, and give interest on personal and joint accounts.

So what would that look like?

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