 I think probably it's the interconnectedness and that we need to recognize that those very institutions, the norms, the frameworks that we've developed over the years have shown that they're not always as effective, not always as effective as we would like for them to be. And you see that time and time again. You see time and time again where initiatives take the U.S. subprime bubble, take the development of sovereign debt crisis now in Europe. Some of the institutions that were designed to protect us from over-exuberance from bubbles have failed to properly give clear indications that were then properly followed up by our leaders and leaders in government, but also leaders in society and leaders in business. So I think if I take a step back and look at what's the main message now, it's that our safety nets have not been as effective as we thought they were and that we need to go back and think about how we can make them more effective. The most important thing is probably to stimulate good dialogue, dialogue across various aspects, not only of the insurance industry where Swiss Rea is very active, but across society at large. Of course we as an insurance company or insurance company are quite interested in making sure that in our engagements with our clients, with our partners, that there is a common understanding of issues that society face and that we work together to develop solutions. One is by coming together and agreeing very tangible frameworks for dealing with issues of sustainability. The principles of sustainable insurance is a wonderful example of that being sponsored now by the UN, a program where various members of the insurance sector are coming together and say how can we collectively now recognize that we have a role to play in ensuring long term viability, long term success of our societies. It's a very important, tangible way that we can I think address some of the issues that we face. Another is through improved transparency, exchange of data, exchange of experience. A third way is perhaps developing this concept of a country risk officer at a national level. Someone who looks at the risk that a society, a nation may be facing and thinks how do we as a society best respond? What elements do we need to bring together now from different parts of our societies in order to address the issues that we see, be it climate change, be it deforestation, be it depletion of natural resources. So the concept of having at a national level a concept of a risk management, a holistic risk management approach I think would be very advantageous next step. Actually there are two main things that I believe we as a society stand to lose. The first is from an economic point of view, lower growth. In fact, even negative growth, recession, deep recession in some parts of our global economy if we don't resolve these issues successfully in a relatively short period of time, but looking beyond the short term, looking beyond the economic impacts, perhaps even more importantly the questioning, the trust in the social contracts that we've developed in most of our societies is potentially a much more significant longer term negative impact if we don't come together more successfully, collectively to resolve some of the issues around our safety frameworks. An example of how sometimes these safety nets don't go as we would like for them to, they don't function as effectively as we've designed them for was the volcano in Iceland in 2010. There you saw a situation that developed around the eruption across huge disruption to communication, huge disruption to transportation, not only in Europe but across the globe. And there I think that if we'd had better systems of exchanging information, better frameworks to designing the control mechanisms, better ways of responding on a joint basis, it would have led to a better outcome for all of us. Well the value to all of us if we can successfully address the issues that we face is that we have a higher growth, higher growth across the globe, benefits all levels of society, different communities around the globe. And number two, I think if we think about the future, sustainable, safe institutions, sustainable, safe investment, trust, trust allows us to invest in the future, allows us to create a world that's better for our children than the one that we've inherited. So getting this right is not only important for today, it's important for tomorrow.