As our last speaker for this part, I would like to ask Ajay Bunga to come up CEO of MasterCard. So, thank you all very much and you know I'm convinced that when we first met this was meant to be a cosmic joke because I still don't know what a lady in a tie-around will have in common with a guy in a turbine. But eventually I found it and what came out to be common was our interest in trying to do something about this problem that you just spoke so well about Melinda and Dan as always who's I've heard him talk about this so many times he talks about it with the passion of a believer and I think that's what came in common. And now when I look back this is a few years back I've also learnt the meaning of the word bully pulpit because she uses this bully pulpit and she bullies me a fair amount along the way. And I think that has so it's led to new meaning to the logic of bully pulpit and I'm sure your husband is very aware of that of the utilization of those two words together. Now how does that... Why do I say that? Because yes it's a big problem but if you don't break it down into small bite-sized chunks you will get overwhelmed by the nature of what we're trying to deal with. And the first thing that I got going with her was she made me commit on a World Bank IMF panel in front of a bunch of people as to what I would put up as a big goal and I made this commitment of 500 million people that Mastercard would reach by the year 2020. I got off the panel and this young lady sitting here behind here came up to me and said which part of your brain were you thinking with? When you made that commitment I said I was thinking with Queen Maxima's brain because she wanted me to make this commitment. Turns out between then and today we've reached there. We've actually reached there as a company with our partners. So, Havans I have a chance to have the bully pulpit, right? So I'm using it. So we've reached there. The problem is what we've reached is inclusion. We haven't yet completely got to the stage. Even for those 500 billion people the opportunity for them to understand the meaning of the value of that inclusion in the form of better savings, better credit, better insurance, a better life that we haven't yet done completely because just getting governments to agree to set up the right regulatory framework to deposit benefits into their accounts is not enough. They've got to feel the power of being part of being included in the financial system of the world because otherwise it will not be sustained. So that to me is our biggest task. And what you have taught us all is that sustainable growth in this space will require the private sector's capital in generity and technology in addition to the government setting the right guide rails rules and methods and regulations as you said in the very clearly. But also getting the NGO community and the private sector to trust each other adequately to make all these troubles look simple to solve. And I think that's why you're taking us and I think that's a huge new opportunity. I know that over the last few years she's got me to think about how to get access to small merchants to credit. We don't lend any money. Thanks to who we can help digitize the supply chain and create the transaction record that using AI allows you to allow a bank to make a much better decision on how much money to give the woman with a small shop in front of a house, which she couldn't get earlier. We're doing that now in a number of countries in partnership with originally Unilever, coincidentally a company that also gets influenced by the bully pulpit. And so that is her doing. I think she brought Paul Paulman at that time and me together in Davos to actually get that deal going. And now we're expanding that to India with them. And just yesterday with Rabobank, we have announced thanks to you again that we will reach a million farmers in Africa and Asia with digital tools on their phone to enable them to access markets for their produce and get access to fertilizer and seeds in a way that they would not otherwise do. I think with the way you look at it, the chance to go from just inclusion to financial security is where you're taking us. So I'd say yes it was a strange partnership to start with. But I'm very lucky and I'm blessed and so are all the people who work in our company and have seen you and I've had a chance to be there. And all I can say is to you your majesty, thank you for sharing her with us. She is quite a treasure. Thank you very much. Thank you so much again.