for all the people in the audience, i was reminded that i think i participated in this forum from londen in a videoconference a couple of years ago. it's a great forum. and you've had as i understand it a very successful three days in terms of covering a wide variety of topics and from a brief exchange with sam, i had a sense in some ways what you've been discussing is a similar aspect what i would have been trying to do at the bank over the past five years, which is to see how the bank fits into a larger network or ecosystem of partners and how to leverage and draw from one another and sam has been extremely helpful in many different aspects. so thanks to you. >> i guess when i reflect on my tenure at the bank, i tend to think of three phases. it's been a busy five years, that's for sure. the world economy has been a little bit in turmoil. but the first part was the institution faced its own time of troubles and so there was an internal turnaround that one had to focus on, and as a complement to the bank staff, my judgment was that the sooner we got people focused on the mission of the