 We have done research globally in Latin America, in Asia-Pacific region, when we see that women borrowers feel it is much easier and convenient for them to apply for a loan online rather than going to a bank. They feel they are less prejudiced, less judged against, and they can provide all the data through mobile phone, which is much more accessible than working miles and miles going to a bank branch. And we also think from this survey and from our report, the fintechs are offering more women tailored financial products or services, for example a financial literacy campaign, mini drama series or audio clips with fictional character showing you how to open a digital wallet and how to apply for a credit. Micro, small and medium-sized enterprises are facing persistent funding gap in many parts of the world, in both advanced economies but also in emerging markets and developing countries. And that funding gap is immense, it's considerable, it's both in debt but also in equity. One of the reasons is traditional banking sector, right, do not have effective way to do the credit scoring of a small media enterprises is cost too much and they may not have all the adequate financial information to ascertain the credit worthiness of a small business who may have a very short trading history, may have a lower headcount, who may not have the robust financial reporting that banks are used to from a larger enterprises. Many entrepreneurs, they feel sometimes quite challenging to raise funding from a still very much mal-dominated sector in terms of Android investors or VCs, but by soliciting capital investment directly from the crowd through online platforms, I think women can feel being empowered and liberated to seek for the capital that is essential for their business growth. In the UK, right, around 12% of all early stage seed and early stage venture funding are now being channeled through online equity crowdfunding platform. I will see great many examples of women entrepreneurs getting the venture funding that they need to expand their business. We wanted to make sure that AI is aligned to our values, to our democratic values and principles. We want to make sure that AI is developed in a safe, in a transparent way and that would ultimately lead to more trust in society. We need to be thinking, are societies protected enough? Are our institutions prepared enough for all the possible threats that are out there? And we believe that there might be threats coming from some of the technologies that are currently available, both to be used for productive purposes, but also malicious actors can make use of them. What more the EU AI Act does is to make sure we put for the first time some guardrails for general purpose AI models. And we do that in a two-tier approach. So there are some companies that are larger, bigger, that are used much more than others, that have bigger computational power, that will have to go through more obligations. But we have left the opportunity for those that are just starting their journey in the generative AI world to obey less obligations. So they have a little bit more flexibility and they can continue with their innovative processes.