Thank you very much, Mr. Sweet.
One thing I would like to raise is this. We've spent a lot of time talking about the barrier to ICT adoption being the cost, particularly the cost related to payment transfers. One of the things I hope doesn't get lost in this study is that ICT adoption can do more than just payment transfer or the transfer of money. There are advantages and efficiencies for all businesses to adopt technology for tracking their shipments, for procurement, for other types of online transactions, even to communications. The efficiency of being able to meet with your counterparts and colleagues and competitors in an online environment, the fact that the technology exists for now, does amazing things for efficiency. I hope that doesn't get lost in this discussion.