UK Ranks #2 for Startups in Europe. How Does Scotland Compare?
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Article written by Erin Yurday at NimbleFins
A recent study by NimbleFins showed that the United Kingdom ranked #2 in a study of the best countries in Europe for startups. Germany finished first, in part due to stronger economic health and a better business climate than in the UK. Scotland certainly had a hand in the UK’s second place finish, for instance pulling up the UK’s GDP growth estimates.
In order to compare the 50 European countries in the study, NimbleFins analysed data from the World Bank, the World Economic Forum, the OECD and UNESCO to arrive at their rankings, using metrics related to economic health, the cost of doing business, business climate and labour quality.
Strengths and Weaknesses in the UK
The UK’s #2 overall ranking is driven primarily by a strong showing in the Cost of Doing Business category, where they ranked third behind the Czech Republic and Estonia. Lower-than-average costs of living and salary expectations mean that a new company in the UK should benefit from lower expenses than in many other European countries.
A plan for decreasing corporate taxes will only serve to make the UK even more attractive to new startups, from a financial perspective.
The UK was held back by weaker economic health and, perhaps surprisingly, less trust in the justice system than in most other top 12 countries. While educational attainment levels were lower in the UK than many other European countries, the UK ranked 4thout of the top 12 for offering specialized training services””enabling startups to help develop their employees’ skills and individuals to advance their skills in order to apply for new jobs and improve their marketability.
How Scotland Compares: Survival Rates
While most of the data used in the study was not available for Scotland specifically, the Office of National Statistics (ONS) produces other data that lets us see how startups in Scotland fare compared to the rest of the UK.
Using the ONS’s Business Demography study data, we can see that startups in Scotland have slightly higher survival rates after 5 years than the UK average (43.7% vs. 43.2%) and noticeably higher survival rates than those based in London, the startup capital of Europe (43.7% vs. 39.3%).
How Scotland Compares: Startup Births
Around 5% of the UK’s startups are located in Scotland. In 2016, the most recent ONS data available, entrepreneurs began 22,270 new companies in Scotland.
Over the five years between 2012 and 2016 the annual birth rate of Scottish startups rose from 17,385 to 22,270, an increase of 4,885 startups per year representing 28% growth over the five years””proving that the Scottish startup scene is active and growing.
On top of this solid growth, the active community of entrepreneurs, support networks and development programmes in Scotland (e.g., The Data Lab’s MSc. Placement Programme) surely contributed to Scotland helping the UK achieve the #2 spot for Best Countries in Europe for Startups.
Engage Invest Exploit
Scotland has long been recognised as a nation with an established financial cluster and a reputation for innovation – we even invented the Bank of England! By bringing together entrepreneurs, the established financial sector, public sector, government, accelerators and universities, Fintech Scotland has facilitated collaborative innovation across the fintech ecosystem and the momentum behind it has been palpable.
The talent pools in Scotland in financial services and technology have ensured that in the past year alone the number of fintech companies in Scotland has grown threefold. In addition to the growing international fintech companies taking advantage of the reduced capital cost of salaries and office accommodation in Scotland, innovative new homebuilt businesses are creating disruptive and exciting fintech ideas; ensuring that Scotland is building firm foundations to support its aspiration to become one of the top five fintech hubs in the world.
It’s little wonder, then, that within the data driven sectors to be represented on 24thApril in Edinburgh at Engage Invest Exploit(EIE), fintech make up almost a third of the 50+ companies taking part. Now in its 11th year, Engage Invest Exploit draws a global audience of investors and connects them with some of the most ambitious and innovative data-driven companies.
EIE, powered by Informatics Ventures,was at the genesis of the tech ecosystem in Scotland and currently occupies pole position as an International thought leader at the cutting edge of data centric innovation. From its humble beginnings within Appleton Towers at University of Edinburgh, Engage Invest Exploit (EIE) has grown exponentially to become Scotland’s premier tech investor showcase.
Informatics Ventures, located at the heart of the University of Edinburgh, part of the School of Informatics and nestled within the new Bayes Centre (the first of the City Deal Data Driven Innovation hubs designed to foster collaboration and drive the ambition to establish Scotland as the Data Capital of Europe) provides an eclectic mix of practitioner-led entrepreneurship, education, networking and an intense investor ready programme to ensure the participating companies are pitch-fit for the event.
EIE fintech alumni include companies such as Float”“ an intuitive visual cash flow forecasting business ”“ which has drawn on the wealth of tech talent located in Edinburgh. The investor readiness programme developed by Informatics Ventures allowed us to refine and hone the Float pitch for investors and potential customers’ CEO Colin Hewitt commented. From the founding team who pitched way back in the early days of EIE, Float continues to grow beyond its current team of 20and expand its customer base to create a revenue generating, sustainable business with ambitions beyond the 40 countries it already operates in.
Companies taking part in previous EIE events have gone on to attract over £650Million from seed through series A and follow on funding. Last year’s cohort has already secured investment in excess of £4.8Million.
On 24thApril, at McEwan Hall in Edinburgh, more than fifty new and returning businesses will take to the stage to pitch to the investor audience, hoping to stand out from the crowd. Amongst them are the 14 fintech and cybersecurity’ ventures, includingAllatus Unity(creating a powerful regulatory reporting and data governance tech solution),Amiqus (fast secure anti-money laundering identity and compliance checks) and Squarebook(addressing the capital raising needs of high growth companies and introducing a new approach to the IPO process).
EIE attracts around 1000 attendees ”“ international investors, young companies and a high-calibre business audience. It’s the must attend tech investor event in Scotland. The advanced saver discount is available until 31stMarchfor ticket and table sales. Keynote speakers at this year’s event will include Nagraj Kashyap, Corporate Vice President of M12, previously Microsoft Ventures.
Jane Kennedy is Product and Community Manager of TalentSpark, powered by Eden Scott. TalentSpark is a gold sponsor of EIE and Jane is seconded to the Informatics Ventures team to help deliver EIE.
Bringing Open Banking into 2019 with DirectID Insights
We’ve heard a lot over the last 12 months over the potential that Open Banking can bring, to business and consumers alike. For sure, there has been doubters, but for the most part any criticism has focused on the lack of uptake around Open Banking.
We at The ID Co. are never one to shirk a challenge. We were one of the first UK companies to advocate for the introduction of Open Banking, and we’ve now had over eight years’ experience working with bank data. Last year we delivered on the consumer facing side with the introduction of our app, NoMo, and now we feel we’ve delivered a first with our latest product, DirectID Insights.
To say we’re a little excited about what DirectID Insights can deliver is an understatement. We’re confident that DirectID Insights has the ability to re-shape the way that consumers apply for credit, and will change the way that those applications are then actioned.
As a first, DirectID Insights utilisesOpen Banking technology to deliver bank data into the hands of Credit Risk Officers, Underwriters and Fraud Analysts in seconds.
We all know the way that the traditional application takes place. While some of the basic information is entered online, financial institutions then all-too-often require bank statements to be physically posted in.
The repercussions surrounding this are obvious. The drop-out rate is high. The time between initial contact and the time banks can then start selling in products and services is extended. And worst of all, Underwriters and Risk Officers have to spend hours, potentially even days, manually evaluating bank statements to determine income, outgoings and everything in-between.
Now imagine if there was a way to deliver this information, electronically, in seconds, with all the information extrapolated out into a visual dashboard.
How much time, effort and resource could this potentially save financial institutions?
Think of the customer also. Rather than waiting around at home waiting for the post to know whether their loan request has been granted or denied, they can find out in minutes. It’s a win-win for everyone.
Well, this is exactly what DirectID provides. And it’s all provided courtesy of Open Banking.
For customer’s Open Banking is as easy as logging into their Online Banking. For lenders it offers all the bank data that they could need to make to grant or deny a loan. As an added boon, without the customer sending in bank statements, the ability to make fraudulent applications, or make applications based on spurious details, is seriously curtailed.
With zero integration, DirectID Insights offers a host of options that are critical for Underwriters and Credit Risk Officers, including Account summary to see an overview of each account; Deposits and outgoings analytics; End of day balances; Loan servicing; Gambling analytics and; Transaction Reporting. DirectID Insights offers up to twelve months of bank data for each individual or business which is categorisedand classified.
We’re confident that DirectID Insights will prove to be a major success for The ID Co. As I said at the top of the article, the min criticism with Open Banking has been the lack of uptake. We firmly believe that this new product is a business-critical tool that will prove to be essential for anyone working in Credit Risk or Underwriting, and we have Open Banking to thank for its creation.
FCA news – Tips to keep up to date with the regulator
I always pause for thought as I write an update on what’s happening at the FCA, thinking about how to summarise the essence of what I’ll cover and knowing I’m only focusing on a small sample of what’s going on there.
For those of you able to make it to last week’s FCA event you’ll have heard the team talk about the size of the FCA’s role and remit. Since coming back to work after the Christmas break I’ve found myself thinking about what to cover in my regular blogs, when there could be so much to highlight. So its with that thought in mind that I’m focusing the majority of my update on a couple of ways to keep up to date with what’s going on at the FCA and ending with a specific point relating to a consultation paper on cryptoassests.
Getting updates from the FCA
There are two communications that I’ve always found helpful and even more so since staring my role at FinTech Scotland.
The first is simply a weekly email that contains a summary of that weeks FCA news. Its a great way of seeing what the Regulator has published that week. It’s no more than one page (usually) and will include links to any consultation papers, policy papers, final notices, speeches etc. Its worth signing up for – try this link.
The second is the Regulation Round Up. Its published on a monthly basis, includes information that is relevant for all firms regardless of sector, size or business model. The January Edition can be accessed here and for those interested you can also sign up to receive the Regulation Round each month – regardless of whether or not you’re involved in an authorised or regulated business. Again – my view is – its worth signing up for!
As well as covering hot topics, the Regulation Round Up provides updates on ongoing FCA work, will often contain articles outlining the FCA’s view on an topic and will include relevant links to current consultations and other FCA papers that may be relevant to your business or future plans. It will also outline any FCA events that maybe relevant or useful for your business.
The January edition highlights that the FCA intends to carry out a survey of smaller firms on how FCA regulation specifically impacts them. This work will be completed by an independent consultancy – Kantar Public. If you’re contacted please support this initiative. Your feedback will be highly valuable.
It also mentions that the FCA will be holding two events in Edinburgh in March aimed at regulated firms working in general insurance or the retail investment market. You’ll find more detail through the January Edition link above as well as information on how to register for the events.
There is much more information in the round up and the final point I’ll reflect on here is that in this months edition it also covers the important topic of Preparing for Brexit!
Getting insight from the FCA
To help focus its work, the FCA has divided the financial system into seven sectors that it monitors on a continual basis. It develops a set of sector views that provide a way to bring its collective intelligence together and considers a wide range of factors that drive change across the financial system.
The sector views are published and made available on the FCA website and will also be used as the FCA shapes and develops its business plan – due later this year.
The latest set of sector views were published in January and can be accessed here
Consultation paper – Guidance on Cryptoassets
The FCA is consulting on Guidance on crypto assets. This work is to help businesses understand whether their crypto asset activities fall under regulation.
This consultation has the potential to apply to a wide range of businesses. If crypto assets is currently or may potentially to be part of your business in the future, or if you’re engaging or talking to consumers on this topic or marketing this type of product, please review this consultation and offer your feedback. Comments are required by Friday 5th of April and can be emailed to fcacrypto@fca.org.uk
As I sign out for now, a final reminder that the FCA’s project Innovate team is hosting an event in Edinburgh on the 31st of January. I look forward to seeing you there. Please come and say hello especially if we’ve not met yet.
All the best
Nicola
LendingCrowd in top 30 fast-growing tech startups – Interview with CEO Stuart Lunn
Stuart, well done on being named among the top 30 fast-growing tech startups to watch by Tech Nation. What do you think is the main thing that led to this recognition?
“Thank you! I think the Upscale team have recognised the progress we’ve made since we launched in late 2014, and potential we have to really take this business to the next level. It’s also great to see that 20% of the Upscale 4.0 cohort are fintech businesses.”
What does joining the 2019 cohort of Tech Nation’s Upscale 4.0 programme mean for LendingCrowd?
“This is further validation of our work in building a sustainable business capable of being scaled in a high-growth sector. We founded LendingCrowd to help bridge the funding gap facing so many small businesses, and the experience gained through Upscale and working with Tech Nation will be invaluable. We are proud to be based in Scotland, so it was pleasing to be selected as the only Scottish company to join this year’s Upscale programme. We hope this paves the way for more great Scottish businesses to be recognised.”
How is your firm transforming from being a start-up to being a scale-up business?
“Since our launch, we’ve always been focused on creating robust in-house infrastructure that can scale and underpin growth. This business is built on solid foundations of technology, financial services and regulatory experience, and we’ve proven the benefits of our business model in terms of enabling hundreds of SMEs to access the finance they need to grow. As we continue to bring in larger funds, we’re able to deliver higher levels of funding ”“ helping our borrowers create more jobs and generating real knock-on benefits for the economy.”
You on-boarded some very high profile collaborators last year on your board and in your marketing team. Are you planning on growing significantly more in 2019?
“We announced the appointment of Sir Sandy Crombie as our Chairman in November, and the following month Darren Cairns joined us as CMO. We hope to announce some more additions to the senior management team as we scale this year. In January alone, we’re advertising for seven roles on our careers page. Our team currently numbers 25 and I expect that figure will be close to 40 by the end of this year.”
What are your plans and objectives for 2019?
“To keep growing our investor and borrower base. We’ve now helped more than 570 businesses access over £50 million in funding, including more than £12 million in Scotland. As we attract more investors looking to make their money work harder, we’ll continue making a positive impact for our vital community of SMEs. We want to be the go-to company for Scottish SMEs that are being failed by traditional lenders.”
What’s your view on the future of P2P lending?
“We’ll see increasing levels of institutional money flowing in as the sector matures. Individual investors remain an important part of the mix, and I believe that financial advisers will increasingly recommend this market to their clients as an alternative to traditional savings and investments.”
Call for European fintechs to take part in Argentinian Accelerator
FinTech hub Red Link by Innsomnia is the first collaborative FinTech accelerator in Argentina.
Red Link, a network that provides financial support to more than 40 banks in Latin America, is now looking for Startups in Europe that can digitalise their services and processes.
The Fintech ecosystem in Argentina has increased by more than 80% in the past 18 months and positions itself as the fourth largest ecosystem in Latin America, shortening distances with the main markets in the region.
Innsomnia, the first fintech & insurtech accelerator in Spain is currently in its fourth edition working with Bankia, a Spanish Bank which is mentoring more than 50 startups, consequently 70% of these go on to have their solutions integrated within the bank.
Innsomnia is now looking to implement the same model in Latin America and Argentina is the first stop of this international fintech program.
The program has a duration of four months, in which the startups selected will travel to Buenos Aires for one week to meet the Red Link innovation team to define the PoC that they will develop.
After this startups can work from their home countries and continue with the mentorship programme online with no need to move to Spain or Argentina.
Innsomnia works on a B2B model, creating connections between big corporates and technological startups. At the same time Innsomnia does not ask for equity from the startups, they are free to have their own private investors.
Red Link is looking for the following startup characteristics:
- Solutions for SMEs
- Customer Relationship
- Algorithmic Trading
- Banking Technology and internal bank management
- Alternative credit scoring
- Predictive models
- Artificial Intelligence ”“ Machine learning (Voice banking ”“ Chatbots)
- WealthTech & Financial Planning
- Financial Education and inclusion
- Robotization and automation of processes
- Efficiency and management savings in internal banking
This programme can provide an opportunity to expand your business internationally and to get your project validated by an international partner.
Red Link fintech hub can be your gateaway to the Latin American market.
More information and applications here.
Latest news from the FCA
Analysis of a Sector
Consultation Paper
Speech
FinTech Scotland’s first anniversary heralds a growing fintech economy across Scotland
FinTech Scotland has confirmed that the number of innovative fintech SMEs based in Scotland has grown by three times to over eighty in the last twelve months.
The announcement comes on the first anniversary since the formation of FinTech Scotland, a joint initiative by a number of financial services firms, University of Edinburgh and Scottish Government.
The growth in the new fintech enterprises focused on reinventing financial services has been driven by both new start-ups and existing fintech firms moving to Scotland.
In addition, the number has also been bolstered by early stage Scottish technology firms expanding their proposition into financial services.
Since its inception FinTech Scotland has facilitated the growing fintech innovation by fostering the connection between entrepreneurs, large financial services firms, the universities, Government and public sector as well as a range of strategic stakeholders.
Examples of FinTech Scotland’s strategic enabling role have included:
- Developed fintech access to funding and business services with the appointment of a fintech commercial partner Vivolution in conjunction with Scottish Enterprise
- Connected fintech firms with over a dozen large financial services firms and members of Scottish Financial Enterprise to develop new routes to market
- Collaborated with Scottish Development International and Deloitte to develop global connections in Far East, Europe and USA for inward investment and exporting
- Supported the development of fintech entrepreneurial networks and accelerators hubs such as the University of Strathclyde Technology and Innovation Centre
- Developed fintech skills with Scotland’s universities, colleges such as Fife Fintech Skills Academy and student groups such as Glasgow University FinTech Society
- Close collaboration with the Financial Conduct Authority to support fintech firms regulatory understanding reinforced by a senior secondment to FinTech Scotland
- Grew the visibility of the Scotland’s fintech activity through the launch of new digital platformand over 80 fintech events including the FinTech Festival with Visit Scotland
- Developed financial inclusion and diversity initiatives working with consumer groups, social enterprises and bodies such as Equate Scotland
- Facilitated cross sector fintech innovation, for example, with Law Society of Scotland and Scotland IS Cyber team as well as Scottish Government and the CivTech initiative
Digital Economy Minister, Kate Forbes said: “Congratulations to FinTech Scotland for an immensely successful year. With Stephen Ingledew at the helm, FinTech Scotland has galvanised collaboration between Scotland’s universities, financial industry and public sector. Together, we are building Scotland’s reputation as a major global FinTech centre. I personally commend FinTech Scotland for their hard work last year and their vision for the future.
Commenting on the first year Stephen Ingledew, Chief Executive of Fintech Scotland said: “It has been a privilege over this last twelve months to lead the FinTech Scotland team and galvanise the broad range of support from across Scotland to support the growth of innovative fintech enterprises in this last year.
Our progressive, collaborative and inclusive agenda is certainly establishing Scotland as a major global fintech centre which can contribute to Scotland’s economic and social ambitions.
One year on there is still much to do but with a very supportive Board and strategic partners plus a range of stakeholders from private sector, Government and academia actively participating we can achieve the top ranking global fintech status “
Graeme Jones, Scottish Financial Enterprise Chief Executive, said: “FinTech Scotland has made a significant impact over the past 12 months by raising awareness of Scotland’s fintech capabilities and the opportunities available for new and existing businesses. Scotland’s financial services industry has always been at the forefront of innovation and I’m pleased to see this momentum continue. SFE and our members will continue to work collaboratively to support Stephen and his team as they strive to make Scotland a global fintech leader.”
The first anniversary was recognised on Tuesday the 8thof January at the Financial Services Advisory Board (FiSAB) meeting held at the University of Edinburgh, one of the founding partners of FinTech Scotland.
Picture taken at FiSAB on 8 January 2019.
Economy Secretary, Derek MacKay, Digital Economy Minister, Kate Forbes, Jim Pettigrew, FiSAB Co-Chair and Chairman of CYBG plc, Stephen Ingledew, Chief Executive, FinTech Scotland.
At the FiSAB meeting, Stephen Ingledew outlined the key priorities for FinTech Scotland in 2019:
New Hire for Data Lab MSc Project
Most people tend to wind down in the lead up to the festive period, but I’m not most people! In the weeks before Christmas, I accepted a brand-new role with MBN Solutions in Glasgow.
I am the Delivery Lead for MBN Academy, responsible for leading the delivery of critical projects like The Data Lab MSc. Placement Programme. I have over 3 years’ experience within recruitment, sourcing, talent acquisition and management within the Scottish business community. Moving into a delivery lead position is a challenging new position for me, but I have been able to utilise my previous experience to enrich and improve the processalready.
I’ve joined MBN Academy at a key stage in our development as we move towards a larger, more complex delivery model. My added expertise, knowledge and drive will enable us to deliver the very best quality of service to our community.
My role is to provide guidance to students throughout the MSc. Placement Programme in addition to supporting Host Companies as they join the initiative. I have already had the opportunity to assist with the delivery of Employability training sessions at participating Universities and advising potential Host Companies on the benefits and structure of the Programme.I’m so excited to be leading the delivery of this project, working alongside world-class students and industry leaders.
Last year, 73 students were placed in an industrial placement and the bar has been raised this year, with the target now being 100 students. This is ambitious but given that we are working with 11 Universities with a range of different courses this is achievable.
The Data Lab and MBN solutions are passionate about plugging the data skills shortage in Scotland and this Programme is aimed at giving the students their first taste of industrial experience, which in turn should give them the skills they need to succeed in the future. It’s very refreshing to see so many companies eager to work towards the benefit of Scotland.
The Scottish FinTech community have previously stepped up to the plate and engaged with this Programme, including HSBC, Clydesdale, RBS and Tesco Bank. Start up and scale- up companies like The Lending Crowd have also taken part in this in this initiative with great success. The students have added great value to leading edge and creative projects in FinTech companies and are set to continue the trend this year!
Virgin Money and other challenger banks have also embraced this Programme, showing that there are no real barriers to get involved, whether you are a company with 20 folk or 2000, there is nothing to stop you taking part!
The FinTech community is a vital part of the Scottish economy, by giving these students a taster of their world, they are adding more skills to already skilled and dedicated students. Moving forward, this is invaluable to both parties and will ultimately enrich both parties.
2018 in Review & Orca’s Big Plans for 2019
2018 has been a big year for Orca. We launched the Orca Investment Platform, secured another funding round, and expanded the business in personnel and location. Not to mention, plans have been put in place for the launch of the Orca ISA and the Self-Select’ portfolio builder, a complementary product to the existing Model’ portfolio.
Here is our 2018 timeline of significant milestones”¦
February 2018 – Orca Investment Platform Launches
In February, we launched the Orca Investment Platform, an aggregator which integrates with multiple major peer to peer lenders, enabling investors to spread their capital and risk across platforms, sectors, and borrowers.
This was a massive moment for Orca. Years had been spent building up to this point and a tremendous amount of effort had been invested by many, many people. Special thanks to those who supported us, you know who you are.
September 2018 ”“ Seedrs Equity Crowdfunding Campaign Launches
We ran our first ever equity crowdfunding campaign. Using the Seedrs platform and admittedly unsure of how successful the campaign would be, we were delighted to exceed our £500,000 target in under two days!
With more than 400 investors, spanning dozens of countries, the response from the crowd ”“ including Orca users ”“ has been an especially rewarding feature of the year.
December 2018 ”“ Orca Secures Over £500,000 in Equity Funding
Following the close of the Seedrs campaign, and with contribution from venture capital funds, angel networks and private investors, Orca secured £574,280.
The funds will contribute to Orca’s development and growth plans for 2019.
Now, 2019, here’s the big pitch”¦
Q1 2019 ”“ Orca ISA
The Orca ISA will be a first of its kind in the market where investors can build their own portfolio and hold it in an ISA. Current ISA rules stipulate that people can divide their tax-year ISA allowance of £20,000 between ISA (e.g, Cash, Stocks & Shares and Innovative Finance ISA) accounts however they wish. But, they may only subscribe current tax-year subscriptions to a single IF ISA each year. This means it is very difficult to build a diversified P2P portfolio which is wrapped in an ISA. Investors typically hold one P2P investment within an IF ISA, while the remaining P2P investments are held in taxable general investment accounts.
With the Orca ISA, investors can hold multiple P2P providers in a single IF ISA. Here are the key benefits:
- Invest in the Orca Model portfolio suitable for hands-off investors or Orca’s Self-Select portfolio for the more active investor
- Earn interest up to 6.5%
- Earn returns tax-free
- Diversify ISA money across multiple P2P providers
- Transfer old ISA money
- Invest ISA money at non-ISA P2P providers
The company is already building a Wait List of investors eagerly awaiting the launch of the ISA.
Q1 2019 ”“ Self-Select Portfolio Builder
In addition to the launch of the Orca ISA, we are also launching a new product to complement the existing Model portfolio product.
The Self-Select portfolio builder allows investors to implement their own strategies, selecting only the P2P providers and products they wish to hold in their portfolio. What’s more, investors can build their portfolio and hold it in the Orca ISA.
2019 ”“ Integrate New Lenders
Throughout 2019 we’ll be seeking to introduce new lenders to the aggregator, offering investors greater choice and diversification. Updates on this will come in the new year.
2019 ”“ On-board EU Investors
We are investigating how we can on-board EU investors, something which we believe will stimulate growth in the UK P2P market and offer EU investors a simple access-point to UK P2P lending.
To find out more about our exciting new product developments, click here
Finally, a special thanks to everyone who has invested with Orca, your support is very much appreciated; the value early adopters offer businesses is immeasurable and helps shape future product iterations, so thank you from the entire Orca Team. Have a fantastic 2019!