We've been doing these events, the Annual Investment Forum here at M&G for decades now, and for me it's always the highlight of the year. Everybody's got their own opinions. As such, it makes a very sort of dynamic, interesting, individual type of event The standout from today's event for me has really been thinking about the geopolitical factors in the decisions that we're all making around investment. We do live in a very complex world today. Half of the population will go through elections, as we know, and you could hear our experts both in fixed income and equities, give us their views of how the market probably will behave this year. The big thing we're keeping an eye on this year is when the Fed is going to cut interest rates. That's probably going to be March, might be May or June, but then I think we'll see a load of interest rate cuts from central banks around the world. Bonds have value, equities have potential. Particularly in an environment where you will have a decline in rates, possibly at some point during the year, as inflation comes down and the economy still remains stable. That environment is actually very conducive of equity investments. I think we can see both risk and opportunity within the big tech companies. They were very much the driver of the market last year, and I think they will be one way or the other this year as well. As inflation comes down, that's really good news for many asset classes. And it means rates will surely follow. A situation where the economy is strong and inflation is falling - that would be the best opportunity for fixed income and for other asset classes. I hope to be invited next year because it's a great event, and there is always the opportunity to meet other colleagues from other companies and other countries. I think we can effectively connect the dots and eventually give the right advice, the right approach to our clients, guide them in the way they want to manage their money, and I do believe we are extremely well placed to do so moving forward.