 Thank you so much for those amazing opening remarks. It is incredible that after all these years you have become yourself the most fervent advocate to financial inclusion, financial literacy and consumer protection. So we will be missing you tremendously, at least I will. We really work very nice together. So it is really a very, very big pleasure to join you today in this launch of the Global Money Week because this campaign is really so important because the lessons that we learn as children can stick with us the rest of our lives. I still do remember when I was first taught to balance a budget as a child. There was this feeling of empowerment and a way of responsibility which accompanies this very simple act, one that really positively impacted and never guided my financial behavior and decision-making ever since. This comes as no surprise of course. Research demonstrates that childhood financial experiences heavily influence adult financial well-being. The financial education of our daughters and sons represents the most effective path to instill a nurture sound financial behavior in future grown-ups. Furthermore, young people are good at spreading new habits to the rest of the population. The multiplier effects are clear. People with high levels of financial literacy tend to better save and manage credit, diversify investments and prioritize retirement planning. They can make sound financial decisions. This leads to better economic well-being for themselves, their families and their communities and societies as a whole of course. The COVID-19 pandemic exposed the financial vulnerabilities of individuals and households across developed and developing countries. As we build back towards a more resilient future, like we said earlier, it is critical to create an ecosystem that supports the financial resilience and financial health of today's youth. This means incorporating financial literacy as part of a broader strategy that promotes financial health. We should ask, how can we best equip our youth with the tools to thrive in the future? To build capacity to manage day-to-day expenses, prepare for economic shocks, come ahead and feel secure about their finances. This requires a reorientation of a financial literacy program from simply transferring concepts and knowledge to cultivating healthy financial habits and decision-making. Consistent coordinated messaging that is delivered in a sustained manner is key. Programs could be better designed based on data and evidence. It is important to consider young people's financial literacy levels, behaviors and situations along with the available mechanisms for learning inside and outside the classrooms. For instance, a five-year youth-saving project in full emerging economies show that tailored saving products that were accessible in schools with strategic parent involvement and targeted SMS savings reminders helped 130,000 students accumulate almost one million US dollars in savings. The children's values and knowledge related to savings and budget also improved in the process along with their attitudes towards banks. Timing is crucial in delivering financial literacy messages, notably at moments of decision-making such as points of sale or points of use of financial services. A study followed new account holders who received monthly or sent on monthly SMS reminders about how savings can help them achieve goals. The results showed significantly increased balances compared to those who did not receive these messages. So digital technology can help widely and quickly disseminate tailored content to young audiences through their preferred channels. Social media and other digital platforms could also be used to better understand youth's financial concerns which can help craft and deliver more effective financial literacy messages. However, it is important to consider and address the reality that digital channels are not available for everyone. Financial literacy messages are reinforced with access to financial services that are well designed to the needs and capabilities of the young. For example, studies have shown while young people's savings goals vary depending upon their life stage, they usually save for a specific purpose. Reflecting this reality in Colombia accounts for a program to enable youth to set saving goals. Not just incentives can also be built in reinforcing positive financial habits. With increased and easier access to financial services it is important that the youth understand the cost and benefits of products, the right and obligations and in turn make optimal financial choices. Policy and regulatory environments should promote a system that informs, protects and addresses concerns promptly and adequately. This will foster the needed trust in the financial system and the assurance that products and services consider customer voice and choice. There is a role for everyone. Collaboration among the public and private sector is necessary to ensure that financial education does not exist in a vacuum. Rather, it should be embedded in how curriculums are crafted, how financial products are designed and delivered and how policies are formulated. Finally, I'm very pleased to note that the G20 Global Partnership for Financial Inclusion is highlighting the importance of financial capability in their agenda. In particular, this includes the work to increase awareness by individuals and the seniors or the risks and opportunities of digital finance. And together with the OECD, the report on the digital financial literacy to support financial resilience. Financial education will always be an important component to ensure that financial inclusion leads to positive outcomes and impacts for development. Congratulations to the Global Money Week for once again elevating the discussion of financial literacy and galvanizing global support. As UN Secretary General's Special Advocate for Inclusive Finance for Development, the GPFI on your patron and the honorary chair of the Dutch Moneywise Platform, I look forward to continuing your work together. Actually, today we launched a weekly in the Netherlands very digitally but with half of all our children and education system involved. So I was really, really very proud of that. But it's just a week and these efforts should go far beyond this week and help really a society's long-term gains from investing in the financial health of today's younger generation and help them in the future. Thank you so much and thank you so much for your commitment and support.