 My name is Barbara Cesare, the managing director of AB Consultants. AB Consultants is based in Nairobi and we're an independent market driver seeking to increase the uptake of inclusive insurance and micro-insurance across Africa. All the opportunities we see for human well and complete insurance is too prompt. There's this insurance side where insurance have an opportunity to build a business case around increasing their market share, possibly making a profit and in the process protecting lives. On the other side we see an opportunity for innovation and leveraging other existing insurance schemes that have been launched and therefore protecting the people who live closest to wildlife who then have to pay the ultimate price of living next to wildlife. So protecting them or rather giving compensation for death and injuries for crop, livestock and property damage. I think there will be several challenges. Firstly, insurance is a business that has largely not been trusted by people, not being used by many people. So when you are layering a service that may not necessarily be trusted on top of an issue that is a conflict related to human wildlife conflict, then we do expect some issues there. The whole plan to mitigate that is through consumer education and some of the ideas we have are using gamification to teach people about how insurance works. The other challenges we see is around verification of claims and how quickly. One of the findings from our research is that people would prefer timely payments rather than huge payments. So how do you then quickly leverage technology to ensure that you make the payments as fast as possible. So what we are hoping is that the government can go ahead to launch a pilot or even the food scheme in Kenya. This will give us an opportunity to learn and to see how learnings from Kenya could be transferred to other countries and other ecosystems. I think a lot of people around the world are waiting to see what happens in Kenya and how we can then transfer this knowledge. The other part is we really need to measure the impact of this scheme, whether it actually reduces retaliatory killings on wildlife and whether we can actually save lives through providing medical evacuation and of course just comfort during that difficult moment to families.