So we have Victoria Grant here, an incredible 12-year-old woman who we're delighted to interview for the Prosecord Institute in Victoria. I just wanted to ask what's the one key message that you want to share with the world around banking? Well if you've heard my speech I'd say go tell other people about it and don't be afraid to like ask questions and like tell other people and answer their questions if they have them. Wonderful. And in terms of the messages that you're sharing with people about banking what are some of the little messages there? We should like we're not using like the Bank of Canada which we should be using and instead our government is putting us into debt by borrowing money from private banks when they could and we could be borrowing money from the Bank of Canada but we're not so we're putting ourselves into debt. Wonderful. Thanks so much for your time.