 I think one of the key reasons why the ITU has been engaged in this focus group is because it really brings in not only telecom regulators, but it brings in technology companies, fintech startups. So it brings in a whole different community of stakeholders into the financial services realm. And up until about two years ago, telecom regulators had been really engaged only ad hoc. And so this was an opportunity to really engage them more holistically on all the issues of financial inclusion and see how we could work together between the sort of banking financial services sector and the telecom sector to bring financial services to the poor. Well, one thing that we found out that's super important is that the only way the economics work to serve the poor and provide a steady income to providers is to deliver financial services digitally. And that, of course, counts entirely on the telecommunications infrastructure and the ability for poor people to access financial services on things like a mobile phone. And so as countries think about reaching those that are unbanked, they have to think about how to really embrace the telecommunication sector in order to be able to serve the poor profitably.