 We observe around the planet a major shift among the asset owners and that's a kind of revolution. So far we are dealing with this with respect to how to integrate this kind of risk. The first is very much about the nature of fiduciary duty and how the task of investment is defined. We think this needs to change. We are in a universe in which money is moving. There are many different things that can go wrong in a payments environment. Getting back to the idea of the central bank being playing the primary role, one question I have then is that, you know, are we even able to do that? Like are we just sort of kidding ourselves that in this world the central bank could provide a currency today that we want to use? Especially in this world where these things are so integrated with other aspects of social media and social platforms and this isn't the central bank's strength. This isn't what they do. The solution for something climate change is not the finance. It's the power of states to put the price in carbon. We are already experiencing a shifting mindset from the industry but also from investors towards considering sustainable finance in their investment decisions. The question is not what it looks like today, right? The question is what regulation needs to do for the risks that will exist in ten years time. Climate change risks can be acute hazards or chronic hazards such as new floods, new sea level rises and it's not 40 euros that we should put on the price of carbon. It must be something like 200, 300, 400 euros. This means being courageous. It means being willing to invest in companies where the chances of success may be low but the returns to that success if it comes could be very high. Price dexterity and impose this price university to the markets and the markets will solve the problem by the end. Everybody has a role to engage with companies. Engage with them on that transition. Engage with them to invest to become cleaner. Engage with them to take a long-term and responsible approach to how they manage their