Stephen: Yeah, thus I have a viewpoint with this and I also am certain that only a few individuals will concur with this specific viewpoint, but my viewpoint on client ownership is the fact that concept that is whole of ownership is changing. I do believe Silicon Valley when it comes to opportunities which are being made while focusing on customer ownership. I do believe, plus it’s simply my estimation, that many people spot too much increased exposure of this idea of consumer ownership together with truth, I do believe, is the fact that cross- selling…because demonstrably client ownership, individuals think equals more cross-sell equals life time value equals i will spend more for clients.