All of us at Barclays owe it to Steve for giving 41 years of his life to Barclays, for being a friend and family to many of us, for seeing and living a journey which many of us aspire to live and see. I would like to cherish those moments which many of you would have had with Steve and growing with him, living with him as a friend, family, colleague, mentor and many other roles he played in his lifetime. Words cannot do justice to what Steve meant for all of us, but I would like to thank Steve and his family for giving all of us an opportunity to know him and many of us to live, see and be with such a beautiful soul. You would be missed Steve forever……..