 Thank you very much, madam. Well, just to be very brief on answering to your question, I think what's very important to say is that we've actually been advocating on this issue of digital financial service now for many, many years with great advances. And we've actually seen extremely important is that the digital part really has actually helped us with a basically goal to reach financial inclusion, even though we still have 1.3 billion people to go, but we have advanced more than 1.4 billion people in these last years. Now, what we've actually seen during the COVID pandemic is that all the little, you know, speaking to all the governments, all the government said to us, you know, hey, we need to sort of send this money to people through the pandemic. How do we do that? You know, we had heard, you know, this World Bank and the UNSGSA, which is myself and other members, you know, we need to do some kind of investments to be able to make these payments. Well, a lot of countries did very quick change and they were able to make these payments on a bank account, on their mobile wallets. And this has been amazing. And they rolled out ID cards very quickly. They helped out issues on connectivity very quickly. So all the things that seem to be unsurmountable before to actually advance all of a sudden, within six months, we're actually there. So the know-how is that how to do it is, you know, the technical capacity is actually there. So now it's actually putting all the minds together. And what is actually very important is not a question now, not only in bringing access to financial services in the sense like, you know, I can actually send a subsidy or a payment. We need to go even further than that. First of all, we need to actually have not only access to payments, we also need to have access to savings to build buffers. We need to actually have access for insurance to actually have resilience. Resilience not only for individuals, but also to agricultural sort of, you know, farmers for SMEs, because in that way, they're going to be seamless, less risky and they're going to have more access to credit in which they will actually be able to increase the expenditure in their investments and be able to offer more employment. So it is part of this very big ecosystem of things that will actually make possible to have more investment in the private economy. Now, when we say it's so possible, well, it is, I say it's so possible, but some things are still not there. And I call them the digital public goods. We think that everybody has a mobile phone. Well, it's not true. Not everybody has a mobile phone. Women has less mobile phones than men. And if they do, they have a less quality. Connectivity is not really a balance around the country, certainly in the rural areas, you don't find a lot of connectivity, which will not help to roll out issues like payment, even health, digital sort of, you know, help systems, et cetera. So we need to get the connectivity. We need to get the digital IDs. I have to have a woman being able to open a bank account with a digital ID. We need to have a whole digital infrastructure with signatures, with data privacy, with cybersecurity issues. We also need to have interoperable systems that a bank can speak to the mobile phone company that can speak to a fintech, that can speak to a insurer company, because otherwise you're gonna have systems speaking along each other. So interoperabilities have also a very big issue. And last but not least is a whole issue of consumer protection, digital and financial literacy, which are the ones that are actually gonna make people sort of take the best out of these services that are being offered to them. Now you touched on a very important issue, which is the issue of informality. As you very well know, where we see what actually has been happening due to COVID, which other groups of people that were hurt the most, mostly women and small businesses. Why they tend to, you know, work in the informal sector, so therefore they don't have access to what we all have access to, which are sort of safety nets and access to financing and access to, you know, access to markets more easily. So these are the ones that actually suffered the most. So it is extremely important that we try to bring people into the formal economy. And by digitally financially including them, it's a very good enabler to bringing people into the formal system. What do I mean by that? Say that, for example, merchants, mum and pop shops that actually are, you know, for example, in India, we have a million smaller pop shops, but not all of them are actually digitized, not all of them accept, they're still sort of handling cash. If we could actually take away the sort of, the procliveness to cash and actually start getting into a system in which all the payments are being done digitally, that merchant not only is gonna have less of a hassle and, you know, by dealing with cash, less security issues, but also he will be able to attract much more inventory issues. He will be able to sort of have a cash flows history by which with that, he will actually have access to more working capital credits and therefore being able to enlarge his business. So all of these things are extremely important. So digitizing merchants will be really extraordinary. And then once they all do it, they will all accept this sort of, you know, mobile banking and then people slowly but surely will actually start going into a digital system and getting into the formal financial system. And by going to the formal financial system, you slowly trickle down into the formality of things. And I think that's something that we should be going for and digitizing merchants and digitizing the whole scope is extremely important. Now I have to tell you that I've done this work now for more than 12, 14 years. And there's a couple of places where we need to sort of look even further. And I would say, certainly for women in Africa, we need to do really a much bigger effort. In some countries, we talk about financial inclusion and digital financial inclusion. It actually goes very quickly. In Africa, really, we need to spend a lot more time. What are the 63% of women in Africa do not have access to financial services? We really, there's a lot more than just making the whole infrastructure work. There's cultural norms. There are many issues that we need to study much better and push a lot more to be able to cater for these people with the goods that will actually enable them to really have a better future. Thank you very much.