 Well, I think the really remarkable thing about the ITU Digital Financial Services Focus Group was that it brought the sectors of banking and telecom together. And even though I think at an individual country level, a lot of people had worked together across sector at a global sort of policy level, there hadn't been that much work. So that was a really significant difference. Well, it's really been very interesting and a great learning opportunity and what I really saw as a part of this focus group is that you would have meetings and discussions with people who might have a passionate view on one subject or another. But then you'd also hear the views of five or ten people in different countries about how they were dealing with that very issue. And you'd watch everybody have to sort of readjust their thinking a little bit coming up against reality. So that was the remarkable experience for me. In terms of how the output is going to be used, I think that many of the reports published by the focus group as well as the recommendations are going to be pretty widely read and read by country regulators and DFS providers who are working at a country level but also the global policy people and people in NGOs and other groups that are trying to make financial inclusion happen.