In Arabic, the word "tehwil" means 1) to drop by 2) to transfer 3) to change from one state to another and BOB Finance benefited from all this to do their quite impressive nice ads... The premise is that "they change (transfer) crisis into a solution" or "change (transfer) challenges into opportunities". Well the biggest score is because - as the line goes - "change (transfer) is our business". But of course! Again, you read the whole word play the ad makes a lot of sense is quite cheeky indeed all which still hinting at the current problems the Lebanese face on daily basis - and by God they are enormous.