Are you considering anybody else to replace them? A competitor or an alternative product?

We use Refinitiv as well. We use Refinitiv for adverse media, PEPs, and sanction screening. They can do more than what we are paying for right now, but they lack the most important feature that Moody's has, which is access to pull out data for us. If you are providing KYB solutions, this is important.

Are you considering anybody else to replace them? A competitor or an alternative product?

This KYB company I mentioned at the beginning was offering the same needs. They were doing a bit better. I don't remember the exact pricing from two years ago, but when we compared, it was more beneficial for the company because they also focused more on Europe, and the documents were available immediately upon request. They were not focusing globally like Moody's, but more locally. They were from the UK when they started and pulled out documentation much quicker. Sometimes with Moody's, you need to wait for the documents.