that ourry hopeful growth and success will be [indiscernible] is a centerpiece in the government's effortify the economy and was the sector. we have also seen some consolidation, notably between the abu dhabi bank and the national bank of abu dhabi. is there more consolidation to come? >> i think in terms of financial standards, that residents of national players like abu dhabi banks, the magic -- the merchant tank, are extensions. we look forward to bigger contributions from our national national banks in our success story. the same thing happened in singapore, as they built their financial center, they consolidated their institutions made them bigger, give them more opportunities to compete internationally. use thes, we hope will financial centers in the uae, including adgm to grow internationally. the fact that our rules and inspiredns,, and laws -- they make a difference when it comes to that. yes, i look forward to more consolidation and contribution from insurance. iscourse, our focus at adgm creating an echo system for siltex, we think it is the future and we want our national bank