So millennials are optimistic, they're hopeful. They're hopeful about their financial future. They may be currently less trusting one another and certainly of financial services firm more than a footnote of importance to FinTech entrepreneurs and clients. They also experienced the GFC very vibrantly in tech full Technicolor. To say it another way, as you saw in the data a second ago, the risk aversion clearly shifted as the empirical evidence preceding it suggested they would be coming less tolerant of risk, more averse to taking chances in the financial markets. Although there's not a bevy of research specifically identifying the GFC in the market volatility as a point of discontinuity, the anecdotal evidence suggests that we see a generational shift and social attitudes, that have motivated millennials to have a greater desire to matter in the world. To say it another way, impact investment strategies have risen to high level of importance for millennial asset owners, not just today, but in the way they answer questions about the future. For example, a recent US Trust survey found that almost 90 percent of millennial respondents are either currently owned or are interested in owning in the future investments that allow them to express their values, their missions, and social impact concerns, that focuses on environmental sustainability, it focuses on social responsibility, issues of ethnicity, race, gender in investments, and a whole bevy of non-financial concerns. A recent World Economic Forum survey of about 5,000 investors across almost 20 countries, showed results suggesting that over a third of millennial respondents felt that improved society should be the top priority of business. That contrasts with what Milton Friedman is often described as suggesting which is that the only social responsible activity of business should be producing profits. If you look at the data, purpose and profit were the top two scored primary purposes of businesses for that millennial demographic. If you look at the lowest quarter spots, it was creating wealth. So millennials want to matter, and they want to matter through their investments as well as through other activities. We can see, as you can see on the graph in front of you, how environmental, social, and governance activities and purposes, and pursuits have increased at essentially the same time we've seen an increase in interests in FinTech. The growth of ESG in corporation reported by investors of all varieties including mutual funds and institutions and so on has been dramatic. Almost $12 trillion in the US was reported at the end of 2018 being allocated in some non-financial capacity or with a non-financial purpose again across environmental, social, or governance criteria, again with millennial motivations by some measure of it.