 So now you have businesses now moving into domains where they don't even belong like Facebook is now Rumor to offer a cryptocurrency a digital currency 2.5 million people Are going to be connected on Facebook money digital money Now we have the biggest companies in the world getting into healthcare Amazon and JP Morgan Now you have of course Apple getting into healthcare Everybody is getting to into everybody else's turf And now you have all these things happening for example BMW and Mercedes are teaming up for mobility This is the lesson that we must learn for ourselves look outside of your current domain You want to be successful in the future look outside The future competitors for a bank or for whatever is not going to be the other banks