Thank you, Mr. Chair, and thank you and congratulations, Ms. Irman.
I have two questions. I'll give both at the same time.
One is the potential conflicts of interest with your job and your role as chair, and what you do to prevent them.
The second is that 2020 is right around the corner. You're going to see all sorts of transition in our economy that will require all sorts of different types of tools, new types of technologies, or new types of products and services that will be provided. There actually may be assets that will need financing but won't have something physical you can hold on to and put a value to. I'm just curious about your vision of 2020 and how we're going to deal with these new technologies and changes.