company b. soul and their warm. and those muses and those people are starting to see more better would not push that he was doing by the way me higher was completed. in the us and when daniel woodrell. in the last was tommy as. a second parent what was interesting with tommy there were those little. as the end of. the thing when daniel is needles you're in no way on us in battle and they play sawdust in. the capital so i mean this is and i'm a little too as is the rest i'm see the little in that is. that this is a way to get our personal debt. a silo is how you would i know i made the law and if it. the situation is particularly worrying in the northern european countries in sweden norway finland and especially here in denmark where the rate of household debt is currently the highest in europe three hundred percent of disposable income doubled out of the u.k. tripled out of france or germany over the past twenty years the danes have gotten massively indebted encouraged by governments made access to credit very easy.

b" in market value for microsoft. he discusses his personal and professional journey of transforming the company in his new book. it's called "hit refresh: the quest to rediscover microsoft's soulates writes in the forward, "we had fallen behind google, and our original search team had moved on. satya was part of the group that came in to turn things around. he was humble, forward-looking, and pragmatic." we welcome microsoft ceo satya nadella to the table. good morning. >> thank you so much. >> and to change a culture is not easy. how do you do it and what are you looking to create? >> you know, when a company's successful, one of the things that happens is the concept that got you started in the first place, the capability that you have and the culture all get into this beautiful, virtuous lock, and things are going well. then lo and behold, you have to come up with a new concept, a new idea, for which you need new capability. that's when the culture has to be at its premium. in other words, the culture needs to enable you to come up with new ideas, build new capabilities. so that's why i think for companies to be successful over a long period of time, you need more than a go