 attend lots probably many more than I ought to have these sort of conferences and typically you have a limited spectrum of stakeholders so you have just the providers or the donors and the providers but with with this event at the ITU we've got the full 360 degrees of all the spec the stakeholders involved in trying to further financial inclusion and that makes it very very special you have central bankers sitting next to telcom regulators sitting next to donors sitting next to mobile network operators bankers and then even you know small consultants like us at micro save so it is it represents a a unique opportunity to speak to everyone who is involved in trying to further financial inclusion to bring together different perspectives and begin to create a common language around the efforts we make to create financial inclusion I think many I mean it's difficult to choose one or two I mean we've been looking I've been very deeply involved with the ecosystem working group which is looking at how we improve the quality of ecosystems and encourage poor people to keep digital value on their mobile phones this is a big challenge at the moment most transactions are cash in a small digital send and then cash straight out again the other side so that becomes very expensive both for the providers and indeed ultimately for the end consumer because the providers of course pass those costs on to the end consumer what we need is that that digital value is circulating as digital value and not reverting to cash as quickly as it currently does so I think you know that working group or sub working group has been tremendously important I think some of the issues that we've discussed in the infrastructure working group and how we need really to share much more infrastructure than we currently do is also tremendously important the infrastructure group also raised important concerns around security of these of these payments into instruments and systems and then the customer protection group enormously important right now if we're very honest there is a problem with trust in a lot of these digital money systems and until we address that and ensure that the customer trusts the systems and that they are reliable and that the agents behave the way they are meant to behave and service the customers the way that they're meant to service them until we address those that trust deficit will remain and so I think some of the deliberations in that customer protection group were really important as well