 This focus group has been a uniquely broad set of actors involved. It includes telecoms regulators, telecoms companies and financial service providers of financial regulators. And having a forum that brings together the financial sector and the telecoms sector is unique in itself. And ITU with the Gates Foundation, with the World Bank Group and with other partners have also brought in a range of industry players, providers and development partners. So the uniqueness of the set of actors involved has been very valuable. And what this has resulted in is a rich set of insights and also recommendations. The volume of knowledge and of these insights and recommendations is very impressive and covers a very broad set of topics. So we are excited to have this degree of new information and of synthesized insights. And we're really looking forward now to how this is implemented at a country level. The World Bank works with countries to reach their national financial inclusion targets. We have our own overall goal of helping countries reach universal financial access as a pathway to full financial inclusion. So we actually work with countries to do tailored national action plans around financial access and inclusion. So this set of insights and this set of very practical recommendations, which the focus group has produced, we look forward to actually helping translate that into practical reform measures, government policies, regulatory reforms, private sector actions, industry initiatives. We are actually working up to 40 countries, specifically on financial inclusion and digital payments. So in as many of these countries as possible, that these recommendations can actually be adopted and implemented in is, I would suggest, is the next goal and priority. And it's an area that we in the World Bank look forward to working with countries to achieve.