 A lack of access to information and financial knowledge is adversely impacting global investors. The more information you have, the better decisions you can make about your own financial well-being and portfolio. Talent and intellect are equally distributed. Opportunity is not, and it's incumbent upon all of us in our own ways to work to not only bridge, but close that gap. And the greatest way to do that is providing education and education around financial literacy early and often. The education gaps, particularly around financial literacy, exist and are significant. We should start at a very early and elementary level by teaching students the basics of accounting, the basics of saving, the basics of investing, what it means to start a company and how those companies play a role not only in their local, regional or national, and in some cases global, economy. I see the future of financial advice evolving in a number of different ways. Access to near-infinite amounts of information is immediate and effectively free. And being able to access that information to make better investment decisions, leveraging technology and risk models and different financial technology platforms will create more opportunity for more people around the world. Additionally, some of the technologies like blockchain and digital assets are now making more asset classes available to people, but with the protections and arguably the liquidity of the regulated public markets. One of the great benefits of the FinTech revolution and also the technology revolution that has put smartphones and smart devices in the hands of nearly everybody in the developed world and a growing number of people in the emerging world is that those that traditionally lacked financial literacy skills will now have the ability to benefit from tailored investment advice. Many of these technology platforms will be able to interact with investors to gauge their risk profile, better understand their goals, and ultimately deliver them an investment portfolio and opportunities most aligned with their objectives and creating more opportunity for more people along the way. Investing is available to everybody and technology has made that opportunity available and at a lower cost, whether it be through fractional shares, online neobank accounts or other financial technology platforms. Investing is now accessible to the masses and at the lowest cost in history. Trust is the foundation of capital markets and financial markets more broadly and the more individual investors understand the regulatory environment, how products work, how markets work, that's not only going to build but further strengthen trust. That's going to create more investment opportunities for individuals but also that's going to make for a stronger marketplace that provides more opportunity to more people.