 Good afternoon, everybody. So happy to be here. Just landed directly from the airport, from the Netherlands. So bear with me if I'm a little bit jetlocked. First, I would like to thank MasterCut for actually holding this, and I have to say, I know fast and the commitment to inclusive growth. They've been great partners of mine. I know we'd like to have a huge applause to them, because it was some 10 years ago that they, together with me, they made a very big commitment to actually have inclusive finance as one of the spear, spear policies. So thank you very much, MasterCut. Now, I have dedicated 18 years of my life now for financial inclusion. Not only in my country, the Netherlands, but all around the world, I actually have visited 48 countries. And so this has been a very wonderful journey. What is financial inclusion? Is the ability to have an account where you can actually save, make payments that you and I get for granted every day. But for a lot of people, this is actually only cash, or they can actually send money to the grandmothers or their children. Is the possibility to get a credit and make investments and to increase, basically, your income in the future. Get insurance. If your husband died, you get sick. Or you have a drought or a flood. And it is what we know is actually not only pro-growth. And this is what this conference is all about. It is also pro-poor. So it actually reduces geo-necoefficient, which is actually extremely important. One of the big things when I go to these visits is when I see that people are financially included, it includes them in the economy. They literally now have access to much more markets. They have access to much more resources. They have access to much more possibilities. So it's very, very empowering. Also, they help them to be more resilient. Think of all the risks that actually people have every day. If you're very poor, you even are exposed to even more risks. So there's much more reason for this issue, which is actually called resilience. Anyway, what has actually been going on financial inclusion? When I say this work, we started measuring, actually. In 2011, we actually had less than 50% of the world population that was financially included. Now in 2021, that was 76%. So it actually increased a quarter percent of the global population, which is extremely good news. And of course, it actually included some countries to 80%. We've actually seen that in the growth of the economy and also in the inclusive growth of the economy. Now, financial inclusion really is a means to an end. It's not really an end in itself. We want people to become better. And one thing that has been very, very worrying is basically this issue of financial health. So when we actually get to these people, we actually have to ask the question, to these financial services that we're actually providing to them, are helping them increase their resilience? Are they helping them to really be able to confront all these risks that I was actually talking about? Are we helping them to save enough for these households to become, to have these buffers, so just in case that something actually happens to them? Also, I realize that a lot of the poor people are much more exposed to climate change issues than we are. Are we really helping them to actually be resilient to this enormous climate change that they're actually going to have been facing? Are we actually giving them really the productive credit that will increase their income, or we're just going to be overburden them with debts, and maybe help them to consume things that they could never pay? This is not only in Africa and in Asia and in all the countries I've been around, but also here in the US and in the European Union. And this brings us to this discussion of what types of financial institutions do we need? Are we going to be really looking at the needs of people? Are we going to be helping them to manage increased savings? And are we going to keep on doing issues like, by now, pay later, instead of actually saying, save now, buy later? Are we having the discussions with regulators to see what kind of vision, what kind of financial system do we want to have? A financial system that really truly will increase the financial health and the resilience of all our inhabitants in a way that will actually make our economies not only inclusive, but also stable. And the number one reason for a central bank of any given country is financial stability. What role can technology play in this situation? Are we helping clients budget better? And I tell you, we have to care about these things, because if we talk about financial inclusion, it should be about the outcomes. Right now, financial health in both in the US and around the world are actually not OK. In the European Union, one third of the consumers have no savings. A half of them do not think that actually might make it to retirement. In the US, only 30% of people actually are financially healthy. That means 176 million Americans, basically, are vulnerable. Two thirds. In the Netherlands, my country, 50% of our population is vulnerable. And if you think about all these fees and interest rates, these people are paying to be able to continue this cycle of financing they're actually having, they would actually not have to pay those fees and they could actually put that into savings and really look forward and be able to have a distressed life and actually be able to invest in the future. So there is a lot of work to be done. And this is something that the private sector can do a lot. And certainly the financial sector, we know so much about our clients. We know what income they get, what are the biggest costs. We know who are they paying to. We can actually really help them to nut them to save more, to budget better, to really think more about the long term and not just the short term. There's also a role for the public sector. I was last week speaking to the European Financial Service Roundtable. And there was a very big discussion. And what does the private sector need from the public sector? It's not going to be, again, having regulations and having sort of commitments like, you know, you have to be so much of a figure. But how do we keep this dialogue so that the public sector can actually give the infrastructure so the financial health becomes a reality? So ladies and gentlemen, you're all here talking about inclusive economy without inclusive growth, without financial health. We will not be able to do it. We will not be able to give that two-thirds of this country population or 50% of the European Union and 50% worldwide the possibility to really be included in the economy the way they should be. So please bear it in mind. Thank you.