one is finding a bank for the unbanked in africa.re is one company that was selected out of a couple of hundred companies. in 90 days, actually establish the ability for them to create a bank for the unbanked in egypt. another example is a covenant called market iq. it does social media marketing to identify potential in events that can help barclays anticipate events that may or may not be happening. we have market iq installed in our command center in the u.k. today as a result of the techstars accelerator program. >> what kind of events? what do you mean? things that would change her business in what way? >> they could be geopolitical events, technology challenges, whatever it might be that may come about, we are able to identify and track social media to identify areas that we are able to respond and monitor. >> give me an idea of one cultural format that the bank and do better. >> i am frequently asked, if i can do one thing, what would that be? all our colleagues think like entrepreneurs, exposing someone who has been in the or