 That's a very good question. Just as a very quick background, we published the payments aspects of financial inclusion report in April 2016, which was before the Fiji initiative started. It is a cooperation between the World Bank and the BIS through the commodity on markets and payments infrastructure. So once Fiji started, we started thinking that maybe we should use the Fiji information to update the report because the original report from 2016 contains seven guiding principles that helps and assist countries that seek to advance financial inclusion in their markets. So we think with the Fiji experience, maybe we can add on value. So what we did is that in October 2018, we reconvened our PAPI task force and we set ourselves three goals. The first one was to provide additional guidance on recent FinTech developments. The second was to produce tools to facilitate the application of the PAPI guidance. And the last one was to develop a measurement framework to assist countries in tracking progress. And both of these three work streams culminated in the publication of two reports in 2020. And I'll quickly present each of them since they contain a lot of useful information for Fiji as well. The first report was released in April of 2020. It was called Payment Aspects of Financial Inclusion in the FinTech era. And here we looked at all the new FinTech developments over the last few years because remember everything is very recent in 2016. There wasn't as much going on as there is today. So the first report is fairly limited on FinTech. It does mention it, but it's not so expensive as this report. So we put all the new developments and products in three groups, the products, technologies and access modes, and we sort of developed a big wheel in which we put all these things in place and we call it a PAPI FinTech wheel and it helps you to better understand the interactions between different technologies. The analysis of the report tells you that FinTech presents both opportunities and challenges in improving access to and use of transaction accounts. Opportunities. I'm thinking of improved design of transaction accounts. I'm thinking of better and easier access to your account and all kinds of other things that help people to get access. Of course there are risks and I'm thinking here of cyber risks, fraud risks and people not using the tools properly and then maybe getting into trouble. So these are what we did to do then. We looked at the seven PAPI guiding principles which we had released already in the original report and we came to the conclusion that the guiding principles as such are still very relevant. Nothing has fundamentally changed. We were very happy with that, but we decided that it would be useful to provide additional guidance and this we did by providing bullets or to be correct soup bullets. So the existing guidance is framed in bullets and where a certain bullet could use some explanation with respect to FinTech developments we added a sub bullet. So there will be six or seven or eight sub bullets which were added to the original report and I think this is in a nutshell what the report is trying to do. The second report which was released very recently in September 2020 and it's called Payments Aspect of Financial Inclusion Application Tools and this basically contains tools designed to assist countries in applying the PAPI guidance. I will not go into any details because it's very technical. It's supposed to give a hands-on help to people. There are six or seven annexes in the report. They provide questionnaires, they provide tables, statistics, tools, everything that a country can use. So countries who really want to get down to improving things can use it as a sort of a manual, a guidebook on how to implement the tools we set out in the 2016 report. One last thing of interest in my view is that we also added a tool we call the PAPI radar and it's kind of a visual gimmick where a country can visualize its status on each of the seven guiding principles by putting a bullet on a map and you get a radar and you can then put benchmarks in which like, for example, are the best countries or the G20 countries or any other benchmark you prefer. And this is a dynamic tool which will allow countries to see, you know, I make progress but I need more progress and two years later you do the same analysis and you see that you made progress. So this is really, I think, a visual tool that will be pleasant and interesting to use and also very good in indicating progress. So that's what we did in those, which is actually quite a lot for a few years. PAPI benefited in several ways from Fiji and of course Fiji benefited from PAPI. So I think we managed to establish a positive feedback loop whereby information from one goes into the other and the other way around. We benefited in particular from two specific ways. First, we used the information from the country programs run by Fiji, namely Mexico, Egypt and China. We also had other countries from members of the task force as well as World Bank studies. So we had quite a lot of experience with countries trying to apply our framework. And the second was the working groups and then in particular the EPA group or the Electronic Payments Acceptance Working Group. They did a lot of useful analytical work which we used as an input and as it happens it was a very useful way of cooperating in a sense because I think it was very complementary whereas in PAFI we look at the demand side. How can we get people to make more use of electronic payments by providing them help and things. The EPA working group was looking at the supply side and they were seeing how can we encourage shopkeepers and merchants to accept electronic payments. And I think that in itself was a useful tool. So this analysis also greatly stimulated our thinking and our fintech report. So I think was quite good that while the project was running we could interact in a mutually beneficial way and both improve our work. I think the future beyond Fiji looks very bright. I mean Fiji was very instrumental in putting a lot of wheels in motion. The participating institutions of course the Bill Gates Foundation as main sponsor but particularly the ITU, the World Bank and the CPI BIS have spent a lot more time focusing on financial inclusion. I think that is very good. We use this to make additional work and we started new studies but also I think just in deepening the existing tools. As I said before the PAFI framework is very helpful in putting people and helping people to seek to advance progress. Well these people can also use it in the future of course. It's not because Fiji is finished, everything is finished. We all are very much aware of the fact that financial inclusion is far from finished and needs to progress. And we simply need to keep on stimulating people to seek help and to look for tools and instruments where they can help. And Fiji provides these tools, the underlying documents like PAFI provide these tools and we just need to try to. And I hope in particular that the symposium which is running in May and June will put again a little bit more emphasis and spotlight on all the work Fiji's done. And I'm quite confident speaking for myself that Fiji will be instrumental in keeping the flame burning and help people in advancing financial inclusion.