I was asking you or making a remark regarding the fact that especially in technology and the rate of adoption of technology in our society is accelerating, change is coming faster and faster and you commented regarding your use or lack of use of mobile phones, for example. And so I was framing the question asking you whether you thought that there could be kind of a phase change when we warm water and it starts to boil, the whole phenomenon changes. So, would could there be a phase change in the way our society negotiates or needs to negotiate solutions to our problems? Is it possible that we need to adapt faster to these pressures? And do you think that in your field there are indications that theory is catching up with this possibility? You know it's something I didn't think about that much. I mean it is true like it was saying that things change very rapidly and that technology is advancing at a faster rate than many people, not only I can internalize, yes. I don't know any longer how to use I'm very poor at dealing with computers except very very specific way at dealing with modern cell phones so I can dial a number yes but I'm unable to deal with all kinds of other functions that a cell phone has with digital photography. There again I can snap a picture but I used to be a very good photographer and the number of options that are available in a modern digital computer are so overwhelmingly large that I'm just unable to deal with it. And I'm not the only person you know so it's becoming a situation where you really have to be an expert in something in order to take advantage of all the options you have and the options cutting down the number of options that you make available to the consumer maybe it's a big challenge yes it's a big challenge not to make so many options available. One might think that and by the way also on financial instruments yes in financial instruments also on pension funds yes people ask do you want this do you want that do you want this do you want that yes people don't have the time or the interest to invest in this the the pension fund should say this is what we offer maybe one option two options yes but not hundreds of options hundreds of variations yes people don't have the time or the interest in this and and it's really negative when when they do this yes it's really not good idea so I think I think the human race will catch up but thank you very much