 The workshop was good and particularly very important for us now at the stage where we are, just going out of the piloting phase is the role of the researchers and the research that is going into the product and whose outcome really we need to improve this product in terms of delivery, in terms of pricing, in terms of taking care of changes in the climatic conditions over the coming years. The single biggest challenge is managing delivery costs to the project over a large expansive region over a very difficult terrain, over fairly weak communication systems. So that's the biggest, it's a huge geography that we have to cover, very sparsely populated community that must be reached and must be touched for us to be able to convince and sell the product. So the biggest challenge is meeting that initial cost as we go towards critical mass. The biggest potential is we're looking at, you know, a 20 million strong community in the Horn of Africa region with significant amount of wealth that really provides a huge reservoir for an insurance company in terms of growth and expansion. So we're very, very optimistic about the product and it's a product that requires a significant amount of patience and time, but we have no doubt that it will come to fruition. And we are using the EDX based life-talk insurance concept to learn the Kenya Life-talk Insurance Program and the recommendations from this conference, I suggest that we all share and be able to implement them in policy decision making, implementation of programs and generally transforming research and academia into practical actions. I think the biggest concern is one is awareness creation. Insurance is not very easy. For the past roleists that we are targeting, we require a lot of capacity building, a lot of awareness creation before we can say that insurance will be acceptable to them. Our role therefore as a market facilitator is to see how insurance companies and underwriters would be able to interact with pastoral communities. So we help insurance companies and underwriters, we facilitate them to ensure that they're able to speak with pastoralists, they're able to sell their products to pastoralists, they're able to understand the pastoralists better and the pastoralists in turn understand the underwriters so that the information gap is filled and the pastoralists are able to make demand kind of a choice, choice which is driven by demand, that they're able to ensure their life-stock because there is an insurance firm here which is ready to provide this service. In Ible, we act as the implementing partners of the insurance program on the ground. The use of technologies, the emerging technologies that can help us to reach the pastoralist communities in a better way is also important because the communities are widely dispersed and there have been challenges in terms of the cost of reaching the pastoralists. What excites me about Ible is we are able to come with a product that targets communities that a few years ago you would not have thought that we'd be reached with such a product. We see this as opening also other opportunities in these regions because in a few years time we will not only be talking about index-based life-stock insurance but we'll be talking about other products that these communities can be able to access. We are really excited and proud to have been supporting Ible and Ible for a long time and our expectation is that at some point the donors would not need to support it any longer because the market will take our place. I appreciate the variety of perspectives and views that are around the table today and all the amazing work that is behind Ible and what Ible is today. And Ible is a very good example how you can translate research into products that are useful and can make a difference for the poor and that can be sustainable because the market and the private sector can take on. So you don't just generate dependency from donors' intervention or the public sector intervention. The public agents will always play a role but what makes me passionate about this program is that potentially this can be a good instrument for posturalists to reduce their risk with their own resources. And I'm meeting a posturalist who has lost the whole heart of their cattle. Sometimes it really moves me and over the years when I have been in development work, I have been asking myself how can we cushion them? How can we support them? What kind of safety net can we provide to the pastoralists so that even if they have lost their livestock due to drought or due to lack of forage or due to unknown circumstances or due to lack of water, how can we provide a bounce back for them? And for me, this product provides the bounce back that they so need. That is why I'm so excited about this and I'm even more excited because the government has come in and is taking it even further and providing even more support to the most vulnerable.