 Innovating products and services to be client-centric and meeting the needs and demands of our customers is essential for us at the UPU. And that is reflected in our new strategy for the upcoming cycle. Similarly, in postal financial inclusion and financial services, we are continuously looking at how posts can innovate their products and services to meet the needs and demands of our clients around the world and how people who are underbanked and unbanked can be served better by postal operators around the world. What we are looking at at the moment is a study that draws upon the views of experts in the sector, postal experiences and the voice of the customer to see how posts can innovate their products and services to meet the needs in the years to come. We invite you to read this study and we hope that you will benefit from it and be able to design your own products and services that are innovative, client-centric and can provide a wealth of benefit to the people of the world. Thank you very much.