 So the first thing is certainly that this focus group has been very innovative in the fact that it brings together several industries coming from the bank, the bankground, coming from the telco bankground and others. So it's important to see that these people are able to talk together and achieve very good results. I think also that there is a very strong push from the Gates Foundation and that's also very important because without that it's not always possible to have such achievements. And also there is a very strong organization. I've noticed that there are very valuable deliverables and that's also very good. So my experience is certainly to be able to share what we are currently doing within ISO. I'm currently the chair of ISO TT68 SC7, which is a financial services go banking and we are also working on a mobile financial services standard, which will be published very soon. And so we have the very close relationship between the work we are doing within ISO and all the expectations, mainly in terms of interoperability standards, which are one of the building blocks to ensure the deployment of financial services with the aim to facilitate financial inclusion. And also what was very interesting is to have an exchange of best practices. And I've seen that there is already some very concrete results in the fact that some countries are talking together and within countries different authorities are able to connect and to work together and I think that's really a very good achievement of this group.