2018 has not been without challenges for Westpay and as expected Q4 was no exception. We have not seen a pick-up in announced orders, so we also remain cautious about the start of the year. On the more positive side, the company continues to present important collaborations like with Wirecard and the latest with HSR. We have adjusted both our projections and financial Rating downwards. We like the long-term growth story of Westpay and believe that the company will succeed in its endeavors, but in the short-term, the market will most likely only focus on the decline in sales. We model increased growth during H2’19, but still one must recognize that the uncertainty is high in these types of situations