 So I think the panel discussion today has covered a very wide range of issues starting with the low interest rate environment and some of the challenges that poses for financial services firms all the way through issues to do with the payment system, innovation, big data and some of the challenges that presents and then also climate change. I think for me some of the key themes that we've discussed are around data and the importance of data availability for policy makers so that we understand what's going on, issues around risk and risk management and making sure that we take full cognizance of the full range of risks that maybe present themselves as well as the opportunities and I think on some of the issues today we heard quite a little bit about opportunities but I think another key message was around international cooperation so many of these issues are very challenging but they require us to cooperate as regulators and as public institutions. For me hearing about that I think it was very nice to be here at the ESRB because those issues of data risk management and international cooperation are clearly part of what the ESRB is all about. So I think some of the discussion today has touched on these very big risks and issues that are in the financial system at the moment that we need to understand well. Some of them also have very long term perspectives so if you think about some of the innovations and so on that are going now that are maybe changing the face of financial services or you think about things like climate change as well as thinking about current issues there I think we really also have to think about the longer term and where the long term public interest or public good really lies in thinking about those issues.