 Hello, my name is Raja Rajamanar and I'm the Chief Marketing and Communications Officer of MasterCard and also the President of its Healthcare Business. We are in the midst of not one crisis but a multiplicity of crises. There is a health crisis, there is an economic crisis, there is the most unfortunate social crisis, there is a crisis of confidence and so on. So as marketers, what do you do? First and foremost, you recognize and realize that this is not the first or the last crisis. There are going to be a number of crises into the future. You need to have a risk management function within marketing to be able to quickly pivot to a crisis management mode when a crisis indeed materializes. I was fortunate to have done it about two and a half years back at MasterCard which is standing as a very good stead right now. Next, you need to make sure that you don't go dark. Your customers and consumers expect you to be visible, to be present and to show up. Don't run and hide. You also have to make sure that you're not looking like everybody else and saying the politically correct things and talking about the same subjects in the same way. You have to make sure that you stand out and stand true to your business. That is extremely important. The other point I would say is don't ever be exploitative or opportunistic. I have been the victim of one such interaction with a reputed online store where I was absolutely being ripped off because they could effort to rip me off at that point in time. That breaks the trust on a permanent basis. Don't be short-sighted. Don't pursue short-term profits and opportunities. Play for the long run. Build the trust. Build an element of trust. The other one I would say is as marketers, we all have to realize that we have incredible power to make a difference to the society. We have to stand up for the right things in the society. We have to make the right difference. We have to leverage the power and the resources and the influence that we have got for the betterment of the society. And this is the time. And there is no better time to do it than now. We all have to come together and make that positive difference. All of you please stay safe and look forward to seeing you all at some point in the near future. Thank you.