excitinga, it is very in the relevant markets. it is not true across all of africa.ou have to be selective. for example, growth rates in 17 of the sub-saharan economies of 5% plus, you have to pick the ones you want to go after. urbanization -- you will see it. it is like a teaming anthill. people working, making money, but not living in the way we are used to seeing in the west. we have to understand how to tap into that. we have talked about what it will take for africa to meet the bull case, education, infrastructure, further diversification. your concern is implementation, why? >> we take africa, literally, figuratively. we dig africa. the one thing i find it challenging is most of the african countries all have fantastic vision, very clearly articulated. they all have it. what my dad used to say is, if you want your dream to come true, make sure you do not oversleep. that is what i see in most of these places. we see the suffering, we know what we need to do, we do nothing about it. those countries we see getting up and doing it are succeeding. look at ethiopia,

excitinga, it's a very thing. it's not true across all of africa. you have to be selective.nd 17mple growth rates of the sub-saharan african are 5% plus. you have to pick the ones you want to go after. the urbanization is not kind of urbanization or you just drive into lagos and it's like a teeming anthill in many ways. people are working and making money, but not living in the way and that perhaps that we are used to seeing the west. we have to tap into that and it will not be the traditional means of branched networks or ifa's or direct sales force is maybe in some of those countries. we have talked about what it's going to take for africa to education,ll case, infrastructure, further diverse location of economic base, and you and i have talked about this. erik: your concern is implementation coul. why? >> we dig africa. literally, figuratively, we dig africa. [laughter] one thing i find challenging is that most of these african countries all have fantastic visions. they are very clearly articulated whether it's a national development plan or vision 2056. it doesn't matter