 Victor, the next question is for you. The viewing group at Embassy Port Louis Mauritius asks, are there costs associated with integrating fintech into a startup? As far as costs associated with integrating fintech into your solution, if you are a fintech company, obviously that's the overhead that you're incurring is to build a solution. However, if you are a high-tech company, if you're building a medical device, if you're building some manufactured product, if you are shipping, my advice to give you is to seek out those people who are now really pushing the envelope in these advances. They're really big names. They're people like IBM, they're people like DHL, they're people like Samsung, who are pushing the logistics and the financing piece for industry. So that I will tell you that in the ideal world, unless you are directly involved in fintech, these expenses are going to be invisible to you. They will be just the operating system that runs your business from a logistics point of view, from a payments point of view and a financing point of view. If you are a fintech company, you're going to have those same type of expenses that any high-tech software company is going to have. You're going to have primarily programming, human resource type expenses, as well as the hardware and the software tapping into and working with those pieces. So the barriers, as an expense, are relatively low, I would say, if you are a non-fintech company. You will be tapping into somebody else's solution and it will be your computer system tapping into the internet, into the cloud. And so they're relatively inexpensive from an entrepreneur's point of view.