 Thank you very much. And Violetta, thanks for, you found a point where our two debaters have agreed for the first time throughout the program. Thank you very much. I now want to bring in Alison Schrager. Alison is an economist and a journalist and co-founder of the risk advisory firm Lifecycle Finance Partners and author of a book called An Economist Walks Into a Brothel and Other Unexpected Places to Understand Risk. Alison, it's great to have you on the program and please come in with your question.