 I am Hassan Bashir. I am the group chief executive officer of Takaful Insurance of Africa. Takaful Insurance of Africa is an insurance company licensed and operating in Kenya and which has introduced dynamic innovative index based the livestock insurance product in northern Kenya. As the driest region of the country is affected by the cyclical nature of droughts. Droughts come now and then and every few years we find a big drought or a small drought coming that wipes out the livelihood of the communities that live in northern Kenya. And so with our partners Takaful designed and developed a weather based livestock insurance product. The most important partner who was involved in the development of this product with us and who in real sense is responsible for the science research and study behind it is the International Livestock Research Institute, ILRI, and who have worked with us since the introduction of this product three or four years ago. We all know that this product is useful for what amounts to roughly 90% of the wealth of northern Kenya which is the animal value owned by the community. And so this product is critical in managing the strength and resilience of the communities who live in northern Kenya so that they can deal with the the adversities of weather that come from time to time. So it's designed to help them out to make them stronger deal with the weather and the product doesn't remove the weather but it helps the communities be strong and deal with it. The community based agents are critical aspect of the distribution channel of this product. This product is designed with a community in mind. It's also distributed with the community in mind so the members of the community, the shop owners who are the community agents who sell and advise the community on this product need to understand how it works, what it is, how the functions of the products are in different areas, what it means to be in a different weather division, the triggers and how claims are calculated and payouts are made. So it's important that the the agents understand the basic tenets of the product so that they can provide the right advisory to the community members. The e-learning course is critical in reducing the our ability to deliver the the the learning module to the agents. Agents are very sparsely located across a very expansive region that constitutes roughly 75 percent of Kenya. So to reach these agents the community shops who are the basically the knowledge hub for the community in terms of understanding the product to reach them through normal traditional training systems is very expensive and that makes the product unreachable for the community. So we have designed an online module a mobile based module that makes learning and refreshing their knowledge or the knowledge of agents very easier. They can do the refresher courses on their own. They can test themselves on the module and the e-learning system. They can take an exam and see how far they have understood and they can continue taking it on their own without the influence of a teacher or someone from Nairobi or other urban centers. So that's why it's very important. The reason it has been developed is really to make the knowledge material easily available and put it in the hands of the agent and therefore learning becomes continuous. The material is easily reachable and as days go the agents can refresh their own knowledge about the product. The course covers quite a lot of areas. The traditional strategies for competing with drought is covered by the course which generally also traditionally the communities understand but this brings out as a refresher for the agents and conventional livestock insurance and Takaful are also covered. The index-based system is also covered very well. Iblee asset protection contract overview is also covered in the course. How payouts are calculated and the variations in payouts in different weather divisions are also covered. The settings of premium and then contribution calculation and how the premium they pay is calculated is also covered. The percentile calculator is also on the module so that the agents themselves can help themselves and help the community in calculating the percentile. The model of Takaful runs that covers how we do business and the approach to business is also covered. And so my message to the agents is to use this opportunity to help bring financial services to the community. We all know that Northern Kenya has been left behind and financial services were lacking. Most companies in urban centers in Kenya avoid the hardship around pastoral regions. Transaction costs are very high and communication is very difficult. Reaching the community where they are, their bombers require very expensive means of transport. This product goes behind all that and removes the requirement to spend a lot of money to reach the community. So their role is to really help the community have access to financial services without the inherent cost of driving expensive cars and people coming from Nairobi and elsewhere. They have this very critical role in making this successful. It's a really a calling. It's an important module which is now in their hands. And so my call on them is really to take advantage of this and bring our community out of the marginalization that we have suffered over the last 50 years. Thank you.