 Now, Dale, this next question is for you. It's from the U.S. Embassy in Lomay, Togo. And they want to know if an entrepreneur can use fintech without a background knowledge of computers. So I'm going to answer this question in two different ways. First of all, if you're an entrepreneur who wants to found a fintech company and you don't have a background in technology, I personally don't have a background in technology. It is all about the team. I am very good at marketing, PR, communications, and some of those kind of those softer skills. Actually, one of my best friends since I was at high school is the chief technology officer at my company. So really, as a team, you cannot build a company by yourself. No matter how much you'd like to think you might. Well, maybe some people can, I mean, I certainly couldn't. But it is really about the team. So it's about a part of your job as a founder of a company is to bring together the right team to build the right technology at the right time. So yes, I do think you can. And also, I think that there are opportunities if you don't really know how to use computers. There's a group of people who are, of course, kind of being left behind a little bit by this whole digital revolution in Fintech, which is older people, and a lot of them or people who are technologically not literate. And I think that there is a way to kind of work with those people in terms of I'm sure there's still some innovation that can go along, cash payments and things like that, or even helping those people kind of become part of the digital economy.