 In many of the forums that we attend, usually it's just one area, for example telecoms in our specific needs. So we're just talking to telecoms people. The advantage of this forum is you get banking, microfinance entities, as well as regulators, as well as people from the telecoms industry, which gives you the diversity that actually brings a new insight to the challenges we're trying to over-dress jointly. Some of the activities we have are common learnings from markets where they've tried and failed. So trying to launch a service and pushing it in one specific way. That learning has helped all of us to actually say, OK, can I adapt that, improve it, or take it a completely different route? From our perspective, we're already launching those services and addressing those markets. So some of the insights from the regulator have helped us go, OK, we also need to understand the challenges that the regulator is trying to assist, but also ensure a stable economy. So from that side, we've a lot of learnings from both the regulation as well as the marketing and the commercial sides that have been promoted.