 Ladies and gentlemen, I am delighted for the opportunity to address you today. I regret not being with you in person, in particular because I really share your mission. The import of micro, smaller, medium-sized enterprises to growth and employment can hardly be overstated. These make up the majority of enterprises in the world. They provide jobs and contribute significantly to national incomes. They therefore play a central role in sustainable, inclusive economic growth and development. But many business people face real challenges that prevent them from starting a business and making it grow. This comes from an inability to make informed choices or knowing where to get advice. Financial education allows them to address this and thus fulfill the potential. By improving the financial literacy of business owners through financial education, we unlock jobs and growth, two elements so desperately lacking in many of our economies. Today's symposium marks the birth of the OECD Info-Workstream of Financial Education for Micro, Small and Medium-sized Enterprises. An important step that will also identify best practices and policy recommendations. As ever, data and research form the core of any approach, allowing for evidence-based interventions. I, for one, very much look forward to staying at best of your work and hope to use it in my conversations with policymakers in the future. Finally, allow me to highlight an example from the Netherlands that I have been involved in. Credit is an institution that offers loans to small, medium-sized enterprises ranging from 5,000 to 250,000 euros, but the interesting part is that they couple their clients with coaches who help them develop their business. The results speak for themselves. Five years and 4,500 loans later, eight out of ten participating entrepreneurs are still in business, while nationally only 63% of businesses are still around after five years. We need to address access to financial services, but this must be complemented with the transferal or the necessary skills to actually use these services effectively and to create the proper demand. I wish you all the best in deliberations and I really look forward to your results. Thank you very much.