. -- appleed apple pay customers u.k., our loved it. use a significant proportion of our santander u.k. customers had an iphone, so we thought we have to offer them apple pay as soon as we can. what is interesting is that we now developed a great app around apple pay, which is making customers more loyal to santander because you can see where you spend money. it is a breakthrough and it is very popular. i think we need to continue to innovate and i think that is the key thing. having said this, i think the important thing -- and i said this recently in frankfurt at a meeting -- we need a fair play market for all, so the rules have to be the same for banks and new entrants. i think this is incredibly important. so sharing information, if i share my customer information for new entrants share customer information, because otherwise it is very difficult to run a business. so i think that is a key thing. francine: do you think they will? do you think the regulators are looking at this and understanding? because the problem with the structure

apple. and applee a role, will continue to play our role by remaining open to everyone.rs and applause] regardless of where they come from, what they look like, how they worship, or who they love. we will continue to create products that empower people and bring them together. and continue to pursue policies that advance inclusion and ever city. -- and diversity. will continue to partner with you. i urge everyone here tonight to keep talking, to keep pushing, and yes, to keep fighting for a world where everyone is treated equally. pave, together, we will the sunlit path to justice. thank you very much for this generous award. [cheers and applause] ♪ god! [cheers and applause] i love you. washington, d.c. rocks. i love you, thank you. lucky andcited and so so grateful to be here tonight. funny,w what is really is that i am so tall that i cannot read the teleprompter so i have to take my high heels off. [laughter] i'm not even kidding. get a pedicure, i hope you cannot see my toes. don't pan down. i am so excited to be here tonight, it has been so long since i have been he