 It is a huge transformation and the biggest worry we should have is how to make sure that the people will have a job tomorrow and clearly learning online, learning, learning, learning will be the key word for tomorrow. Innovation is not going to be products and services specifically for developing markets or developed markets. I think that distinction is going to blur. If you ask people, do you want this company to have all this data about you? You often get an answer that's pretty negative, but if you ask them, would you like this company to be able to bring you better, more relevant services to help you make your life more efficient? People want those benefits. The advent of the smartphones have enabled inclusiveness, especially in banking. Otherwise, in Africa, only 20% of the population have access to bank accounts. But if you take Nigeria, for instance, a population of 168 million people, we have 130 million subscribers. Merging of ideas from different cultures and different societies into something really quite different because the infrastructure and the information and the standards and the interoperability and communication and the globalization of the insight and the ability to make something new will allow us to have the next wave be some ideas come from one part of the world and some from another so we end up with something that's really three steps out from what we can imagine today.